SIP Calculator — Mutual Fund Returns
See what a monthly SIP could grow into — enter your amount, expected return and duration for the maturity value and a year-by-year breakdown.
SIP Calculator
Inflation & tax optional
Year-by-year table
| Year | Monthly SIP | Invested | Value | Gains |
|---|
Educational estimate, not financial or tax advice. Returns are never guaranteed. Everything is calculated in your browser.
Runs in your browser — nothing you enter is uploaded or stored.
Scratchpad auto-saved
How it works — in four simple steps
No signup and nothing to install — it all runs in your browser.
Enter your monthly investment
Type the amount you plan to invest each month.
Set expected return and period
Add an expected annual return and how many years you'll keep investing.
Calculate
Press Calculate to see the projected final value.
Study the breakdown
Review the invested amount, estimated returns and the year-by-year growth.
Time does the heavy lifting: doubling the period from 10 to 20 years roughly quadruples the gains at 12%.
Features
Project your SIP corpus
Enter a monthly amount, expected return and time period to estimate what a mutual-fund SIP could grow to.
Invested vs returns split
See how much of the final value is your own contributions and how much is estimated growth.
Year-by-year breakdown
Follow how the corpus builds each year as compounding takes hold.
₹ formatting
Amounts are shown in familiar lakh and crore formatting for Indian investors.
Runs privately in-browser
Your figures are never uploaded — the projection is calculated on your device.
About the SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Because you keep buying units in good months and bad, your average cost smooths out over time, and returns compound on both your contributions and your earlier gains.
This calculator uses the standard future-value-of-an-annuity formula: FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), where P is your monthly amount, i is the monthly rate (annual return ÷ 12 ÷ 100) and n is the total number of months. The year-by-year table shows how your invested amount and estimated corpus grow, so you can see the compounding curve steepen in later years.
Results are estimates. Mutual funds are market-linked, so actual returns will be higher or lower than the rate you enter, and past performance never guarantees future results. Everything is computed in your browser — nothing is uploaded.
Examples
When to use it
Plan a long-term goal
Estimate the monthly SIP needed to build toward retirement, a home, or a child's education.
Compare return scenarios
See how a slightly higher or lower expected return changes the outcome over the years.
Understand compounding
Watch how staying invested longer disproportionately grows the final corpus.
Tips for the best results
- Returns are assumptions. Market returns vary year to year; the projection uses a steady rate, so treat it as an estimate, not a promise.
- Time beats timing. A longer period usually matters more than chasing a higher return — compare a few durations.
- Step up over time. Increasing your SIP as income grows lifts the final corpus far more than the calculator's flat amount suggests.
How much a monthly SIP can grow
At an assumed 12% annual return, here's roughly what a monthly SIP grows into over time. These are illustrative estimates — actual returns vary with the market and are not guaranteed.
| Monthly SIP | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| ₹1,000 | ₹2.32 lakh | ₹5.05 lakh | ₹9.99 lakh | ₹18.9 lakh |
| ₹5,000 | ₹11.6 lakh | ₹25.2 lakh | ₹50.0 lakh | ₹94.9 lakh |
| ₹10,000 | ₹23.2 lakh | ₹50.5 lakh | ₹99.9 lakh | ₹1.90 crore |
| ₹25,000 | ₹58.1 lakh | ₹1.26 crore | ₹2.50 crore | ₹4.74 crore |
The striking jump in the later columns is compounding at work: the longer your money stays invested, the larger the share of your final corpus that comes from returns rather than your own contributions. Starting early usually matters more than investing large amounts later.
Estimates only, at an assumed 12% p.a. Mutual fund investments are subject to market risk — actual returns will differ.