✍Reviewed by CA Ramesh Iyer, CFP
A SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly — weekly, monthly, or quarterly — into a mutual fund scheme. It is one of the most popular and disciplined ways to build long-term wealth in India.
Our free SIP Calculator helps you estimate the future value of your SIP investments based on your monthly investment amount, expected return rate, and investment period. Whether you are saving for retirement, your child's education, or buying a home, SIP is a powerful wealth-building tool — and this calculator helps you plan it precisely.
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FV = P × ((1+r)n − 1) ÷ r × (1+r)
Where: P = Monthly SIP, r = Monthly Rate, n = Total Months
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Step-by-Step
Investing ₹5,000/month for 10 years at 12% p.a. grows to over ₹11 lakhs.
Click any example to expand and see step-by-step workings. Use "▶ Load this example" to auto-fill the calculator.
Follow these simple steps to calculate your SIP returns:
SIP Formula:
M = P × ({[1 + r]^n − 1} / r) × (1 + r)
Where: M = Maturity amount, P = Monthly SIP amount, r = Monthly return rate (Annual rate ÷ 12 ÷ 100), n = Total number of months.
Example: ₹5,000/month for 10 years at 12% p.a.:
r = 12 ÷ 1200 = 0.01 | n = 120
M = ₹5,000 × ((1.01^120 − 1) / 0.01) × 1.01 = ₹11,61,695
Total invested: ₹6,00,000 | Gains: ₹5,61,695
SIP is the most recommended way to invest in mutual funds in India for several compelling reasons:
| Investment Period | Total Invested | At 10% p.a. | At 12% p.a. | At 15% p.a. |
|---|---|---|---|---|
| 1 Year | ₹60,000 | ₹63,059 | ₹63,785 | ₹64,835 |
| 3 Years | ₹1,80,000 | ₹2,09,208 | ₹2,15,962 | ₹2,26,872 |
| 5 Years | ₹3,00,000 | ₹3,87,244 | ₹4,12,431 | ₹4,52,928 |
| 10 Years | ₹6,00,000 | ₹10,32,760 | ₹11,61,695 | ₹13,93,283 |
| 15 Years | ₹9,00,000 | ₹20,93,220 | ₹25,22,880 | ₹33,39,230 |
| 20 Years | ₹12,00,000 | ₹38,28,442 | ₹49,95,740 | ₹75,99,110 |
| 25 Years | ₹15,00,000 | ₹66,64,838 | ₹94,88,460 | ₹1,64,02,780 |
| 30 Years | ₹18,00,000 | ₹1,13,96,446 | ₹1,76,49,570 | ₹3,49,12,000 |
*Returns are estimated. Actual returns vary based on market performance. Past performance is not a guarantee of future returns.
Goal
Based Planning: Calculate exactly how much to invest monthly to reach a specific goal (e.g., ₹1 crore in 20 years).
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A SIP (Systematic Investment Plan) is a facility offered by mutual funds allowing investors to invest a fixed amount at regular intervals (monthly, quarterly). It promotes disciplined, long-term wealth creation through the power of compounding and rupee cost averaging.
In-depth guides and tips for getting the most out of this tool.
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