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SIP calculator – mutual fund SIP returns

Enter a monthly SIP amount, an expected annual return and the number of years to see the amount invested, the estimated returns and the total value.

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SIP calculator

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A rate you type. Not a forecast.

Invested
6,00,000
Estimated value
11,61,695
Estimated gain
5,61,695

Each instalment is assumed at the start of the month, compounded monthly at the annual rate ÷ 12. Markets do not return a fixed rate. This is not investment advice.

How to use the sip calculator

  1. Enter the monthly SIP amount.

  2. Type the expected annual return (for example 10 or 12) and the number of years.

  3. Read the amount invested, the estimated returns and the total value.

  • No uploadYour files are processed on your device and never sent anywhere.
  • FastNo upload or download wait – results appear in seconds.
  • Free, no signupNo account, no watermark and no daily limit.

SIP calculator: how much your monthly SIP could grow to

Enter how much you invest each month, the return you expect and for how many years. The SIP calculator shows the amount invested, the estimated returns and the total value at the end, compounded monthly. Use it to compare plans, for example ₹3,000 vs ₹5,000 a month, or 10 vs 15 years, before you start a mutual fund SIP. Nothing you type leaves this tab.

SIP formula

FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)

  • P = monthly SIP amount
  • i = annual return ÷ 12 ÷ 100
  • n = number of months

The extra (1 + i) means each instalment is invested at the start of the month, the way most Indian SIP calculators show it.

SIP examples at an assumed 12% a year

Monthly SIP 5 years 10 years 15 years
₹1,000 ≈ ₹0.82 lakh ≈ ₹2.3 lakh ≈ ₹5.0 lakh
₹5,000 ≈ ₹4.1 lakh ≈ ₹11.6 lakh ≈ ₹25.2 lakh
₹10,000 ≈ ₹8.2 lakh ≈ ₹23.2 lakh ≈ ₹50.5 lakh

Rounded. Run your own figures above. Real fund returns vary every year.

Tips

  • Compare at two or three return rates. The gap shows the uncertainty.
  • Longer periods matter more than slightly higher rates, because of compounding.
  • Returns shown are before tax and exit load.

This is an illustration, not investment advice.

For a bank FD, a recurring deposit or a yearly PPF deposit, use the FD, RD and PPF calculator. To see a loan’s monthly cost, use the EMI calculator.

Frequently asked questions

What is the SIP formula?

FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the annual return ÷ 12 ÷ 100 and n is the number of months. It assumes each instalment is invested at the start of the month.

What will ₹5,000 a month for 10 years become?

At an assumed 12% a year, about ₹11.6 lakh, of which ₹6 lakh is what you put in. At 10% it is about ₹10.3 lakh. Change the rate above to see the range.

Is the result guaranteed?

No. Mutual fund returns go up and down. The calculator applies one constant rate, so treat the result as an illustration, not a forecast.

Does it include tax, exit load or expense ratio?

No. Returns shown are before tax and charges. Fund returns are usually quoted after the expense ratio, so use a net rate if you have one.

Does it handle a step-up SIP or a lump sum?

Not yet. This page assumes the same amount every month. For a fixed deposit or a yearly deposit, use the FD, RD and PPF calculator.

What return should I assume?

That is your choice. Try two or three rates, such as 8%, 10% and 12%, and plan on the lower one. This page does not recommend a fund or a rate.

Related tools

FD, RD and PPF calculatorMaturity value and interest for a fixed deposit, recurring deposit or PPF.EMI / loan calculatorCalculate loan EMI, total interest and an amortization schedule.Percentage calculatorWork out percentages, % change and increases or decreases.HRA calculatorWork out HRA exemption from basic salary, HRA received and rent paid.Age calculatorCalculate exact age in years, months and days, and next birthday.

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