Mutual Fund SIP Calculator
See the magic of compounding. Estimate how much your monthly SIP investments can grow over 5, 10, or 20 years — maturity amount, total returns, and wealth gain in seconds.
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SIP Calculator Inputs
Minimum: ₹100 | Maximum: ₹10,00,000
Range: 1 to 50 years
Range: 1% to 30% per annum
SIP Calculation Results
What is a SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund scheme at regular intervals — typically monthly. It is one of the most disciplined and beginner-friendly ways to build long-term wealth in India, offering the benefits of rupee cost averaging and the power of compounding.
How Does This SIP Return Calculator Work?
This mutual fund SIP return calculator uses the standard compound interest formula for periodic investments:
- M — Maturity amount (total corpus)
- P — Monthly SIP amount (₹)
- r — Monthly rate of return (Annual rate ÷ 12)
- n — Total months (Years × 12)
SIP Returns by Investment Period (at 12% p.a.)
Estimated maturity amounts for common monthly SIP amounts over different time horizons.
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years |
|---|---|---|---|---|
| ₹1,000 | ₹82,486 | ₹2,32,339 | ₹5,02,279 | ₹9,99,148 |
| ₹3,000 | ₹2,47,458 | ₹6,97,017 | ₹15,06,837 | ₹29,97,444 |
| ₹5,000 | ₹4,12,431 | ₹11,61,695 | ₹25,11,395 | ₹49,95,740 |
| ₹10,000 | ₹8,24,864 | ₹23,23,391 | ₹50,22,791 | ₹99,91,479 |
| ₹25,000 | ₹20,62,159 | ₹58,08,477 | ₹1,25,56,977 | ₹2,49,78,698 |
* Estimated projections only. Actual mutual fund returns vary based on market conditions. Past performance does not guarantee future results.
Why Use a Mutual Fund SIP Return Calculator Before Investing?
Goal Planning: Calculate exactly how much to invest monthly to build ₹50 lakh for a child's education or ₹1 crore for retirement.
Scenario Comparison: Compare 10% vs 12% vs 15% returns side by side to pick realistic targets for your portfolio.
Inflation Awareness: Adjust your expected return to account for 6% annual inflation and find the real value of your corpus.
Investment Discipline: Seeing projected growth motivates you to stay invested during market downturns and avoid panic selling.
No Surprises: Know your estimated maturity amount before committing to a fund — no spreadsheets needed.
How to Use This SIP Calculator
Step 1: Enter Monthly Investment Amount
Type the amount you want to invest every month. Minimum is ₹100. Most investors start with ₹500 to ₹5,000/month.
Step 2: Set Investment Period
Select how many years you plan to stay invested. The longer the period, the bigger the compounding effect. Try 10, 15, or 20 years.
Step 3: Enter Expected Annual Return
Enter the expected rate of return per year. Historical average for equity mutual funds in India is 12%–15%. Use 7%–8% for debt funds.
Step 4: View Your Results
Instantly see your maturity amount, total investment, total returns, and absolute return %. Adjust any value to compare scenarios.
Popular SIP Investment Goals
Child's Education
Plan ahead for your child's college fees. Start a SIP early and let compounding build the corpus you need — without financial stress.
Dream Home
Save for your dream home's down payment through disciplined monthly investments in equity mutual funds over 5–10 years.
Dream Vacation
Planning a world trip? A short-term SIP in debt funds can help you save the target amount without disrupting your budget.
Retirement Corpus
Start early, retire rich. Even ₹5,000/month over 25 years at 12% p.a. can build a multi-crore retirement corpus.
Health Emergency Fund
Build a liquid emergency fund alongside your insurance. A SIP in liquid funds ensures quick access when needed.
New Car (EMI-Free)
Skip the EMI trap. Save for your next car through a 3–5 year SIP in balanced funds and buy it outright.