Calculate how much your SIP investment will grow over time. Adjust the sliders to see results instantly.

What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Instead of timing the market with a lump sum, SIP spreads your investment over time — buying more units when prices are low and fewer when prices are high. This is called rupee cost averaging.

How SIP Returns Are Calculated

This calculator uses the future value of an annuity formula:

FV = P × [((1 + r)^n - 1) / r] × (1 + r)

Where P is your monthly investment, r is the monthly rate of return (annual rate / 12), and n is the total number of months.

For example, a monthly SIP of ₹10,000 at 12% annual returns for 10 years would grow to approximately ₹23.2 lakhs — of which ₹12 lakhs is your invested amount and ₹11.2 lakhs is returns.

Things to Keep in Mind

  • Past returns don’t guarantee future performance. Equity mutual funds have historically returned 10-15% CAGR over 10+ year periods, but individual years can vary widely.
  • Inflation matters. A 12% nominal return with 6% inflation means roughly 6% real return.
  • Taxes apply. Long-term capital gains above ₹1.25 lakh per year on equity mutual funds are taxed at 12.5%.
  • This calculator shows pre-tax estimates. Consult a SEBI-registered financial advisor for personalised advice.