SIP calculator: See what your monthly investment grows into

Use our free SIP calculator to estimate your future mutual fund returns. Enter your monthly investment, return rate, and tenure for instant wealth growth projections.

Last updated: May 2026

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Enter your monthly investment, expected return rate, and time period to visualize your wealth growth.

Over 8 crore SIP accounts are active in India right now. That number has roughly doubled in five years. For most people, a SIP is the first real step toward building wealth outside of a savings account or FD.

The tricky part is not starting. It is knowing how much the monthly amount actually adds up to over 10 or 20 years. That is what this calculator shows you.

How can an online SIP calculator help you?

Numbers make it real. Over 8 crore active accounts show how popular SIPs are, but the hardest part is visualizing how small monthly savings grow over 10 or 20 years.

Here is what this calculator does for you.

  • ✓Get estimated returns instantly. No spreadsheet needed, no manual math.
  • ✓Works for any duration. 3-year plan or 30-year plan, the math stays accurate either way.
  • ✓Run different scenarios easily. Change the monthly amount or expected return rate to see how the final number shifts.
  • ✓Completely free with no login.

This SIP calculator removes all the guesswork. If you want to calculate your SIP returns over any investment horizon, whether 5, 10, or 30 years. Just enter your monthly amount, expected rate, and tenure above.

How to use this SIP calculator

Three inputs. Monthly amount, expected return rate, and how many years. Put those in and the projected corpus shows up instantly. No account needed.

The formula to calculate SIP returns

This is the standard compounding formula used by mutual fund calculators across India.

Compounding Formula
M = P × [((1 + i)n − 1) / i] × (1 + i)
VariableWhat it means
MMaturity amount: your total corpus at the end
PMonthly investment amount
iMonthly rate = annual return divided by 12 divided by 100
nTotal payments = years multiplied by 12

This calculator uses the same formula. Put in your numbers above and the result appears right away.

Factors affecting your SIP returns

Three things decide your final corpus. Change any one and the number moves. Adjust the values in the calculator above to see this in real time.

Monthly investment amount

More money in, more money out. It scales directly. Double your monthly SIP at the same rate and tenure, and the final value doubles too.

Expected rate of return

This has an outsized effect over long tenures. A 4% difference in return rate looks small on paper. But over 15 years on a Rs. 10,000 monthly SIP, it changes the outcome by lakhs. Here is how.

Expected rateMonthly SIPTotal corpus (15 yrs)
8.0%Rs. 10,000Rs. 34.60 lakh
10.0%Rs. 10,000Rs. 41.45 lakh
12.0%Rs. 10,000Rs. 50.46 lakh
15.0%Rs. 10,000Rs. 67.69 lakh

Mutual fund returns are not fixed. They move with the market. A 12% return in the calculator is an assumption, not a guarantee. Actual returns vary year to year depending on the fund and market conditions.

Investment tenure

Longer tenure, bigger corpus. But the real story is in the split. On a 10-year SIP, returns might make up 40% of your corpus. Stretch that to 20 years and returns can cross 65%. The calculator shows both figures so you can see this for yourself.

Worked example

Say you invest Rs. 10,000 per month at an expected return of 12% for 15 years. Here is what the calculator gives you.

OutputValue
Total invested AmountRs. 18.00 lakh
Estimated returnsRs. 32.46 lakh
Total CorpusRs. 50.46 lakh

Out of the Rs. 50.46 lakh corpus, Rs. 18 lakh is what you actually put in. The remaining Rs. 32.46 lakh is compounding at work.

What if you extend the same SIP for 5 more years?

PlanTenureInvestedReturnsTotal corpus
Base15 yearsRs. 18 lakhRs. 32.46 lakhRs. 50.46 lakh
Extended20 yearsRs. 24 lakhRs. 75.91 lakhRs. 99.91 lakh

Five extra years. Rs. 6 lakh more invested. But the returns more than double. That is compounding over time. Scroll back up to the inputs to run your own comparison.

Advantages of using this calculator

  • Always free.
  • Instant and accurate every time. No manual math, no room for error.
  • Try different scenarios. The math remains accurate whether you calculate for 3 years or 30 years.
  • Shows invested amount and returns side by side so the compounding effect is clear.

You can also explore the other calculators on CalculationMadeSimple. The Lumpsum Calculator shows what a one-time investment grows into, and the EMI Calculator helps with loan planning. All free. Use the input fields above to check your SIP numbers now.

Frequently asked questions

What exactly is a SIP?

A fixed amount, same date every month, going into a mutual fund. That is really all it is. You set it up once and it runs on its own after that. No need to time the market or remember to invest manually. Most people use SIPs for equity mutual funds but debt and hybrid funds work exactly the same way.

Why does starting early make such a big difference?

Compounding. The returns you earn in year one get reinvested, and then those returns earn returns too. The longer this cycle runs, the bigger the gap between what you put in and what you end up with. A 10-year head start is worth more than tripling your monthly amount later. The Anjali and Rahul example on this page puts actual numbers to it.

SIP Vs lumpsum: What is the difference?

SIP is regular. Same amount, every month, automatic. Lumpsum is one large investment made at a single point in time. For salaried people, SIP makes more sense because the money comes in monthly anyway. Lumpsum tends to suit someone who has received a bonus or sold an asset and wants to deploy it all at once.

Can i stop or pause my SIP whenever i want?

Yes. No penalty from the fund house for stopping. Some fund houses also let you pause for a few months without cancelling the mandate entirely. If you miss three consecutive payments the SIP usually cancels automatically and you would need to set up a fresh one.

Does market timing matter for long-term SIP returns?

Very little over 10 or 15 years. Buying at regular intervals means you pick up units at different price points across market cycles. The exact entry point matters far less than staying invested consistently over the full period.

The calculator showed x but i got y. Why?

The calculator uses a fixed return rate you enter. Real mutual fund returns move with the market every single day. Some years will be higher than your assumed rate, some lower, some negative. The projection is a planning number, not a promise.

What happens if i skip a month?

Nothing from the fund house. Your bank might charge a mandate bounce fee if the account balance was short. Three missed payments in a row usually trigger an auto-cancellation of the SIP. You would need to start a fresh mandate after that.

What is rupee cost averaging in simple terms?

When markets fall, your fixed monthly amount buys more units. When markets rise, it buys fewer. Over time this evens out what you paid per unit on average. It does not eliminate risk but it does reduce the impact of buying at the wrong time.

Monthly or annual compounding: Which one does a SIP use?

Mutual funds do not pay a fixed interest rate so the question is a bit different here. Fund values change every trading day. Returns are typically measured using CAGR, which reflects annual compounding. The calculator projects using monthly compounding, which is the standard method across the industry.

Still not convinced? Scroll down to see a real-life example of compounding in action.

Worked example: The cost of delay (Anjali vs. Rahul)

To understand the power of starting early, consider a scenario comparing two investors, Anjali and Rahul. Both aim to build a retirement corpus by age 55, assuming an expected long-term mutual fund return rate of 12% p.a. (compounded monthly):

Investor profileAnjali (Early starter)Rahul (Late starter)
Investment Start Age25 Years35 Years
Investment Stop Age35 Years (compounds till 55)55 Years
Monthly InvestmentRs. 5,000Rs. 5,000
Active Investment Period10 Years (120 months)20 Years (240 months)
Total Capital InvestedRs. 6,00,000Rs. 12,00,000
Accumulated Corpus at Age 55Rs. 1,26,53,822Rs. 49,95,740

Despite investing only half the total capital (Rs. 6 Lakhs vs Rs. 12 Lakhs), Anjali ends up with over 2.5 times the corpus accumulated by Rahul. This is because her initial investments had an extra 10 years to compound in the market. Starting early remains the single most effective way to maximize systematic investment plan outcomes.

If you want to compare risk-free fixed deposit savings options alongside mutual fund equity SIPs, use our FD Calculator.

Important note

SIP calculators give you a fixed-rate projection. Mutual fund returns are market-linked, so the value will move when the markets fluctuate over the life of the investment. The numbers here are for planning, not prediction. For current applicable rates, check the AMFI website or your fund house rates page directly.

Try other calculators

If you found this useful, these might help too.

Mutual Fund Calculatorestimate lumpsum + SIP returns combined
Lumpsum Calculatorcalculate returns on a one-time investment
SWP Calculatorcalculate systematic withdrawal plan returns