SIP Calculator: Mutual Fund SIP Returns

Estimate the maturity value, total investment and compounding wealth for monthly mutual fund SIPs.

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Investment Details

Monthly Investment (₹)

Expected Annual Return (%)

Time Horizon (Years)

Estimated Maturity Value

Total Invested: ₹12,00,000
Estimated Wealth Gained: ₹11,23,391
Estimated Maturity Value: ₹23,23,391

Invested (52%)Wealth Gained (48%)

Power of Compounding

Over 20 years, raising your SIP by 10% each year can nearly double the final value.

How SIP Returns are Calculated

FV = A × ((1 + i)ⁿ − 1) / i × (1 + i)

Where A = Monthly SIP amount, i = Monthly return (Annual rate ÷ 12 ÷ 100), and n = Total number of monthly instalments. A ₹10,000 monthly SIP at 12% annual return grows to roughly ₹23.2 lakh in 10 years against ₹12 lakh invested. The rest is compound growth.

Frequently Asked Questions

What is a SIP?

A Systematic Investment Plan (SIP) invests a fixed amount into a mutual fund every month. It averages your purchase cost across market ups and downs and builds the habit of disciplined investing.

What return should I assume in a SIP calculator?

Equity mutual funds in India have historically delivered around 10-14% annually over long periods, but past returns don't guarantee future ones. Try 10% and 12% to see a realistic range.

Does this calculator account for step-up SIPs?

This page assumes a fixed monthly amount. The free Finalyca Android app includes an Advance SIP calculator with yearly step-up, plus SWP and lumpsum calculators.

Is SIP better than a lumpsum investment?

SIP spreads your entry across time, which reduces timing risk and suits monthly earners. A lumpsum can do better in a steadily rising market. Many investors combine both.

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