SIP Calculator
Estimate what a monthly SIP could grow to over time, based on your investment amount, expected return, and tenure.
Result
Your SIP could grow to ₹50,45,760.
Assumes a fixed monthly return compounded over the period, mutual fund returns fluctuate in reality and this is not a guarantee. Ignores expense ratios, exit loads, and taxation on gains.
Frequently asked questions
What return rate should I assume?
There's no guaranteed number. Equity mutual funds have historically returned somewhere in the 10-12% range over long periods in India, but this varies by fund, market cycle, and is never assured. Debt funds and hybrid funds typically assume lower rates. Run the calculator at a few different rates to see a realistic range rather than trusting a single number.
Does this account for taxes on mutual fund gains?
No, the maturity value shown is before tax. Equity fund gains are taxed as capital gains on redemption, short-term or long-term depending on the holding period, so your actual take-home amount will be lower than the figure shown here.
What's the difference between SIP and lump sum investing?
A SIP spreads your investment across regular monthly instalments, which averages out your purchase price over time (rupee cost averaging). A lump sum invests everything at once. This calculator models a SIP specifically, a lump sum would compound differently.
Can I use this to plan for a specific goal amount?
Yes, adjust the monthly investment amount until the maturity value roughly matches your target, keeping your assumed return rate realistic for the asset class you actually plan to invest in.