SIP Calculator
See how much your monthly mutual fund SIP can grow into over time.
How the SIP Calculator Works
Enter your monthly SIP amount, expected annual return, and investment duration. The calculator uses monthly compounding to project the final corpus plus a breakdown of your own contributions versus estimated gains.
SIP Formula
Why SIP Works
- Rupee-cost averaging — you buy more units when markets are low.
- Compounding — returns on returns snowball over long periods.
- Discipline — automated monthly debits build the habit.
- Flexibility — pause, increase, or stop anytime.
Frequently Asked Questions
How is SIP return calculated?
SIP future value uses the formula: FV = P × ((1+r)^n − 1) ÷ r × (1+r), where P is monthly investment, r is monthly rate, n is total months.
What return should I expect from SIP?
Equity mutual funds have historically delivered 10–14% CAGR over 10+ years in India. Hybrid funds range 8–10%; debt funds 5–7%. Past returns do not guarantee future results.
Is SIP better than lumpsum investing?
SIP averages out market volatility via rupee-cost averaging — better for most retail investors. Lumpsum can beat SIP when markets are at a low, but timing is hard.
Does this calculator account for taxes?
No — the output is pre-tax. Long-term equity gains above ₹1.25 lakh/year are taxed at 12.5% (FY 25-26). Factor this in when planning.
Can I change my SIP amount later?
Yes. Most AMCs support step-up SIPs where the monthly contribution increases by a fixed % each year — try bumping 10% annually for compounding on contributions.