SIP Calculator
Estimate the maturity value and returns of a monthly mutual fund SIP or a lump-sum investment, with inflation adjustment.
About this calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. This free SIP calculator estimates the maturity value of your investment, the total amount you will have invested, and the wealth gained, using the standard future-value formula. Switch to lump-sum mode to model a one-time investment instead.
How SIP returns are calculated
A SIP is a series of monthly investments, each compounding until maturity, so it uses the future-value-of-annuity formula FV = P × ((1 + r)ⁿ − 1) ÷ r × (1 + r), where P is the monthly contribution, r is the monthly return (annual ÷ 12 ÷ 100) and n is the number of monthly instalments.
Worked example
Invest ₹10,000 a month for 10 years at an assumed 12% annual return. You contribute ₹12,00,000 over those 120 months, but thanks to compounding the projected maturity value is about ₹23,23,391 — roughly ₹11,23,391 of wealth gained on top of what you put in.
Why starting early matters
Compounding rewards time more than amount. The same ₹10,000 SIP run for 20 years instead of 10 doesn't just double — it grows several times larger, because each year's returns themselves earn returns. Starting a few years earlier often beats investing a larger amount later.
Tips to get more from a SIP
- Step up annually — raising your SIP as your income grows dramatically increases the final corpus.
- Stay invested through dips — SIPs average your cost, so falling markets buy more units.
- Use a realistic rate — equity funds have historically returned ~10–14% long term, but nothing is guaranteed.
Add an optional inflation rate to see the real, inflation-adjusted value. All calculations run privately in your browser, and returns are estimates based on the rate you choose — consult a financial advisor before investing. Repaying a loan too? See the EMI calculator or the compound interest calculator.
Why use this tool
Project SIP growth
See the future value of monthly mutual-fund investments with compounding returns.
Invested vs returns
Understand how much is your contribution versus market growth.
Plan any goal
Model different amounts, rates and durations to hit a target corpus.
Common use cases
- Plan a SIP towards a financial goal
- See how monthly amount affects the final corpus
- Compare short vs long investment horizons
- Estimate retirement or education savings
Frequently asked questions
Using the future-value-of-annuity formula FV = P × ((1+r)ⁿ − 1) / r × (1+r), where P is the monthly amount, r is the monthly return, and n is the number of months.
Equity mutual funds have historically returned roughly 10–14% annually over the long term, but returns are not guaranteed. 12% is a common planning assumption.
A SIP invests a fixed amount every month, averaging your purchase price over time, while a lump sum invests once upfront. Toggle between the two to compare.
It shows what your maturity amount is worth in today's money after accounting for inflation, giving a more realistic sense of future purchasing power.
No. Mutual fund returns depend on market performance and are not guaranteed. This is an estimate for planning only.