SIP Calculator
Estimate mutual fund returns from your monthly SIP, assumed return and duration. Compare contributions, projected gains, annual step-ups and inflation.
₹58,08,477
58.08 Lakhs₹30,00,000
₹28,08,477
Returns are illustrative and not guaranteed. Formula, payment timing, tax assumptions and exclusions.
SIP Calculator
Calculate returns on regular monthly mutual fund SIP investments with instant compounding projection.
Step-Up SIP Calculator
Compare a fixed monthly SIP with contributions that increase by your chosen percentage each year.
SWP Calculator (Systematic Withdrawal Plan)
Model monthly mutual fund withdrawals and see how the remaining balance changes under your assumptions.
SIP Crorepati Calculator
Model how to accumulate ₹1 Crore, ₹2 Crore, or ₹5 Crore with flat monthly SIP vs 10% annual salary step-ups.
Target SIP Goal Calculator
Estimate the monthly SIP for a target amount using your chosen return and duration assumptions.
Cost of Delaying SIP Calculator
Compare starting now with starting later, using the same monthly contribution and return assumption.
Lumpsum Calculator
Estimate the future value of a one-time investment and compare contributions with projected gains.
Retirement Planner
Estimate a retirement corpus from your expenses, time horizon, and inflation assumption.
Monthly SIP Amounts & Return Examples
Compare projected returns for monthly SIPs from ₹500 to ₹1,00,000 across 3 to 30 years.
Monthly SIP calculation examples
Compare contributions, projected gains, return assumptions and yearly schedules.
What is a SIP calculator?
A Systematic Investment Plan (SIP) calculator estimates the future value of regular monthly investments. Enter an amount, an assumed annual return and a duration to see total contributions, projected gains and the projected maturity value. It is a planning tool; mutual fund returns fluctuate and can be negative.
How to use this SIP return calculator
- Enter the amount you plan to invest each month.
- Choose an annual return assumption. Compare lower and higher assumptions to see how sensitive your plan is.
- Set the number of years you plan to contribute.
- Review total invested, projected returns and the yearly schedule. Optionally enable annual contribution increases or inflation.
SIP calculation formula and worked example
FV = P × (((1 + i)^n − 1) / i) × (1 + i), where P is the monthly contribution, i is the annual percentage rate divided by 100 and 12, and n is the number of months. This assumes you invest at the beginning of each month. At a zero return, the result is P × n.
For ₹5,000 per month for 20 years at an illustrative 12% annual rate, you contribute ₹12,00,000. The projected value is ₹49,95,740, including projected gains of ₹37,95,740, before tax and inflation.
Here, 12% is divided into 1% per month. It is a modeling convention, not a measured CAGR or XIRR. Different contribution dates and annual-rate conversions produce different results. See the calculation methodology and worked SIP formula guide to reproduce it.
Step-up SIP: increase your contribution each year
A step-up or top-up SIP raises your monthly contribution periodically. Our annual option increases it after each twelve payments. Compare both the extra contributions and the extra growth with the step-up SIP calculator.
SIP calculator with inflation
A future balance buys less when prices rise. Enable inflation to express the projected value in today's money. At an assumed 6% inflation rate, ₹1 crore received in 20 years has purchasing power of about ₹31.18 lakh today. Change the assumption to match your own planning scenario.
Understand the optional tax illustration
The tax toggle applies a selected rate to modeled gains above a fixed illustration threshold. It does not track individual SIP holding periods, short-term gains, other investments, cess or surcharge. Read the tax assumptions and exclusions before interpreting the result as spendable wealth.
What the calculator cannot predict
A constant return cannot reproduce changing market prices, the sequence of returns, or a particular fund's performance. This model does not separately deduct fund expenses or exit loads. SIPs and rupee cost averaging do not guarantee a profit or protect your capital from market losses. Read AMFI's mutual fund risk explanation.
SIP return table: monthly amounts and investment periods
Illustrative values at a constant 12% annual rate divided monthly, with beginning-of-month contributions. Tax, inflation and separate charges are excluded. These are scenarios, not forecasts.
| Monthly SIP | 5 years | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|---|
| ₹1,000 | ₹82,486 | ₹2,32,339 | ₹5,04,576 | ₹9,99,148 | ₹18,97,635 | ₹35,29,914 |
| ₹2,000 | ₹1,64,973 | ₹4,64,678 | ₹10,09,152 | ₹19,98,296 | ₹37,95,270 | ₹70,59,828 |
| ₹5,000 | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 | ₹94,88,175 | ₹1,76,49,569 |
| ₹10,000 | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 | ₹1,89,76,351 | ₹3,52,99,138 |
For other budgets and return assumptions, use the calculator above or compare monthly SIP amounts.
Recent Financial Guides
Read explanations of SIP contributions, return calculations, and planning assumptions.
Best Date for SIP: Choose a Schedule You Can Maintain
Daily SIP vs Monthly SIP vs Weekly SIP: Which Gives Higher Returns? (2026 Analysis)
How to Stop or Pause Mutual Fund SIP: Step-by-Step Guide (Without Any Penalty)
SIP Calculator Formula: Calculation with Examples
The Shocking Cost of Delaying SIP: Why Waiting 3 Years Costs You ₹34 Lakhs
What is SWP in Mutual Funds? Systematic Withdrawal Plan Guide, Taxation & Pension (2026)
Frequently Asked Questions About SIP
Answers about the formula, return assumptions and limits of SIP projections.
What is a SIP calculator?
A SIP calculator estimates the value of regular mutual fund contributions using your monthly investment, assumed annual return and duration. It separates the money you contribute from projected gains. Actual returns can be lower or higher, including losses.
How do I calculate SIP returns?
For beginning-of-month contributions, the formula is FV = P × (((1 + i)^n − 1) / i) × (1 + i). P is your monthly investment, i is the assumed annual rate divided by 100 and 12, and n is the number of monthly payments. At zero return, FV equals P × n.
How much could a ₹5,000 monthly SIP grow to in 20 years?
At the illustrative 12% annual rate, ₹5,000 a month for 20 years gives a projected value of ₹49,95,740. Contributions total ₹12,00,000, with projected gains of ₹37,95,740. The model assumes beginning-of-month payments and monthly growth of 1%; it excludes taxes, inflation and separate charges.
Is there a fixed SIP interest rate?
No. A SIP is a method of investing, not a fixed-interest product. The return depends on the underlying investments and market movements. The 8%, 10% or 12% figures used in examples are assumptions, not promised returns.
What is the difference between a SIP and a step-up SIP?
A regular SIP keeps the monthly contribution unchanged. A step-up or top-up SIP increases it periodically. Our annual step-up option raises the monthly amount after every twelve payments. A higher projected balance also reflects the extra money contributed.
Does this SIP calculator account for inflation and tax?
You can enable an inflation assumption and an optional simplified tax illustration. The tax option treats projected gains as a single pool, without tracking installment holding periods, cess, surcharge or your other investments. See the calculation methodology before using it for planning.
How is a SIP return projection different from XIRR?
The calculator projects future values at a constant assumed rate. XIRR measures the annualized return of actual dated investments and withdrawals. They answer different questions; this calculator does not measure the historical XIRR of your holdings.
Can I compare SIP and lumpsum investments?
Yes. Switch between Monthly SIP and One-Time Lumpsum in the calculator. A SIP spreads contributions over time; a lumpsum puts the full amount to work at once. Compare the cash invested and payment dates as well as the final value.