SIP Calculator — Systematic Investment Plan (India)
Enter your monthly SIP amount, expected annual return and investment tenure to see the estimated maturity corpus, total amount invested, and the wealth gained through compounding.
₹
%
years
Total estimated value of the SIP at the end of the tenure
₹ 1,161,695
corpusAmount invested
51.6%
Estimated gains
48.4%
- 1
Monthly rate
12 % ÷ 12 ÷ 100 = 0.01 - 2
Total instalments
10 × 12 = 120 - 3
Growth factor
(1 + 0.01)ⁿ = 3.3004 - 4
Corpus (annuity-due)
5,000 × (3.3004 − 1) ÷ 0.01 × (1 + 0.01) = 1,161,695Payments at the start of each month (annuity-due) earn one extra period of interest vs end-of-month.
How does this calculator work?
A monthly SIP of ₹P at r% annual return for Y years grows to P × [(1+r/12)^(12Y) − 1] / (r/12) × (1+r/12). The difference between this corpus and total invested (P × 12Y) is the estimated gain from compounding. Past performance figures are for illustration only.
Formula
How this is calculated
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund each month. The formula used here is the future value of an annuity-due — payments are assumed at the start of each month, which is how most Indian fund houses debit SIP instalments. The formula is: FV = P × [(1+r)^n − 1] / r × (1+r), where P is the monthly instalment, r = annual rate ÷ 12 ÷ 100 is the monthly compounding rate, and n = years × 12 is the total number of months.
For example, a ₹5,000 monthly SIP at 12% annual return over 10 years gives r = 0.01, n = 120, and a corpus of roughly ₹11.6 lakh — of which ₹6 lakh is your own money and ₹5.6 lakh is compounded returns. The power of compounding becomes increasingly pronounced at longer tenures: extending from 10 to 20 years roughly quadruples the corpus for the same monthly amount.
The expected return rate is an editable estimate. Diversified equity mutual funds in India have historically returned approximately 10–15% per year over long periods (SEBI-registered, as of 2024), but past performance does not guarantee future results. This model assumes a constant rate (not the actual fluctuating NAV), no entry/exit loads, and no expense ratios. Subtract the expense ratio (typically 0.5–2%) from the assumed return for a more conservative estimate.
Frequently asked questions
Large-cap equity funds have historically averaged roughly 10–12% annually over 10+ years; mid/small-cap funds may be 12–15% with higher volatility; debt or hybrid funds are typically 6–9%. Use a conservative estimate for financial planning — the actual return depends on market conditions, fund selection, and the time period.
No. Mutual fund SIPs are market-linked investments with no guaranteed returns. The calculator uses a fixed assumed rate for illustration only. Actual corpus will differ based on market performance, exit loads, and expense ratios deducted by the fund house.
A SIP spreads your investment across many months, buying more units when prices are low and fewer when prices are high — this is called rupee cost averaging, and it reduces the risk of investing a large amount at a market peak. A lump sum may outperform SIP in a rising market but carries more timing risk.
Also known as
TG we-Calculate Editorial Team. (2026). SIP Calculator — Systematic Investment Plan (India) [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/sip-india-calculator
TG we-Calculate Editorial Team. "SIP Calculator — Systematic Investment Plan (India)." TG we-Calculate. 2026. https://we-calculate.com/calculator/sip-india-calculator.
TG we-Calculate Editorial Team, "SIP Calculator — Systematic Investment Plan (India)," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/sip-india-calculator
@misc{wecalculate_sip_india_calculator, title = {SIP Calculator — Systematic Investment Plan (India)}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/sip-india-calculator}}, year = {2026}, note = {TG we-Calculate} }
Did this calculator help you?