Estimate your mutual fund SIP maturity value with step-up, inflation and lumpsum support. Real-time, mobile-friendly and 100% free.
Year-wise invested amount vs. corpus growth
A SIP calculator is an online financial tool that estimates the future value of a Systematic Investment Plan (SIP) in mutual funds. You enter three simple details – your monthly investment amount, the expected rate of return and the investment duration – and the calculator instantly tells you how much your money will grow to at the end of the period. Our advanced version goes further and also supports step-up SIPs (where you increase the contribution every year), inflation-adjusted returns, and a one-time lumpsum on top of the monthly SIP, giving you a complete picture of your wealth-building journey.
The beauty of a SIP lies in two powerful forces working together: rupee-cost averaging and compounding. Rupee-cost averaging means you buy more units when prices are low and fewer units when prices are high, which brings down your average purchase cost over time. Compounding means the returns you earn start generating their own returns, accelerating your wealth exponentially in the later years of the investment. A SIP calculator makes these invisible forces visible by projecting them into an easy-to-understand number and a year-wise growth chart.
At its core, a SIP is a series of monthly contributions that each grow at the assumed rate of return until the end of the investment period. Mathematically, this is an annuity – a stream of equal payments – and the future value of that annuity is what the calculator returns. The standard formula used by virtually every SIP calculator in India is:
FV = P × [ ((1 + r)^n – 1) / r ] × (1 + r)
In plain English, that formula says: take your monthly investment (P), multiply it by the compounding factor over n months at monthly rate r, and then multiply once more by (1 + r) because each SIP instalment at the start of the month compounds for an extra period. Here is what each variable means:
Our calculator uses monthly compounding because that is how mutual fund NAVs actually behave – the value is marked to market every business day and effectively compounds at every SIP instalment. When you turn on the step-up option, the formula is applied year by year: the monthly amount grows by the chosen percentage every twelve months, and the balance carried forward from the previous year keeps compounding. When you turn on inflation, the nominal maturity value is discounted by (1 + inflation)^years to show the real purchasing power of your corpus at the end.
Let's walk through a concrete example to make the formula tangible. Assume you invest ₹10,000 per month for 10 years, expecting an annual return of 12%. Plugging the numbers in:
Future Value = 10,000 × [((1.01)^120 – 1) / 0.01] × 1.01 ≈ ₹23.23 lakh. Out of that, you invested ₹12 lakh (₹10,000 × 120) and earned ₹11.23 lakh in returns. Your money almost doubled, and the returns component is nearly as large as your total invested amount. This is the compounding effect – something that a fixed deposit or a simple-interest product can never achieve.
Different SIP amounts and durations produce very different outcomes. Here is a quick reference table assuming a 12% annual return, to help you visualise what a regular SIP can achieve:
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|---|
| ₹1,000 | ₹0.83 L | ₹2.32 L | ₹5.05 L | ₹10.00 L | ₹18.98 L |
| ₹2,500 | ₹2.06 L | ₹5.81 L | ₹12.62 L | ₹24.99 L | ₹47.45 L |
| ₹5,000 | ₹4.12 L | ₹11.62 L | ₹25.23 L | ₹49.96 L | ₹94.88 L |
| ₹10,000 | ₹8.25 L | ₹23.23 L | ₹50.46 L | ₹99.91 L | ₹1.89 Cr |
| ₹25,000 | ₹20.62 L | ₹58.08 L | ₹1.26 Cr | ₹2.49 Cr | ₹4.74 Cr |
Notice how a ₹5,000 monthly SIP for 25 years crosses the ₹90 lakh mark, while doubling the amount to ₹10,000 roughly doubles the corpus to ₹1.89 Cr. Doubling the time, however, does much more than doubling the output, because compounding becomes dramatically more powerful in the last ten years of a long SIP. The lesson is clear – start early, even if the amount is small, and let time do the heavy lifting.
Many new investors wonder what they can build on a tight budget. A simple ₹1,000 per month SIP over 20 years at 12% grows to approximately ₹10 lakh. You will have invested ₹2.4 lakh over that period, and the remaining ₹7.6 lakh is pure compounding. This is often the difference between finishing life with a token savings balance and having enough for a child's higher education.
A middle-class earner investing ₹5,000 every month for 15 years at 12% will build a corpus of roughly ₹25 lakh against an invested amount of ₹9 lakh. The multiplier here is almost 2.8x on the money invested, because the last five years of the SIP are compounding aggressively on the base built in the first ten years.
A young professional starts with ₹5,000 per month and raises the amount by 10% every year, matching typical salary hikes. Over 20 years at 12%, the corpus balloons to about ₹83 lakh – more than 1.6x the flat-₹5,000 SIP. Step-up SIPs are arguably the single biggest secret weapon of retail investors in India and every calculator on this site supports them.
SIPs have become the default wealth-building tool for Indian investors for several reasons. Unlike lumpsum investments which require perfect timing and a large upfront corpus, SIPs let you start with as little as ₹500 per month, spread your risk across market cycles, and automate the entire process so that discipline replaces willpower. Below are the most important benefits:
SIPs are ideal for anyone with a regular income and a time horizon of at least five years. Young earners should prioritise equity SIPs to maximise the compounding runway. Mid-career professionals can use a blend of equity and hybrid funds. Near-retirees typically switch the mix towards debt funds while still running smaller equity SIPs to beat inflation. Business owners with lumpy incomes often combine quarterly lumpsums with small monthly SIPs to capture both opportunistic and disciplined investing.
The honest answer is "it depends". Mathematically, if markets went up in a perfect straight line, a lumpsum invested on day one would always win because 100% of the money is working from the very beginning. In reality, markets are volatile, and most investors do not have a large lumpsum lying around – they have a salary that arrives every month. For that reason, SIPs usually deliver comparable returns to lumpsums at a fraction of the behavioural risk. A common optimal strategy is to use an STP – park a lumpsum in a liquid fund and transfer a fixed amount into equity every month – which is exactly what many professional advisors recommend.
Even with a tool as simple as a SIP, investors routinely shoot themselves in the foot. The three most common mistakes are stopping a SIP during a market crash (the exact moment you want to be buying), not stepping up the amount with salary growth, and picking funds based on last year's star ratings instead of long-term consistency. A disciplined SIP in a boring, low-cost index fund will beat a frantically managed portfolio of hot picks in almost every 10-year window.
Using the calculator above is straightforward. Enter your monthly investment in the first field – you can either type a number or drag the slider (supports up to ₹20 lakh per month). Set an expected annual return; 12% is a reasonable default for diversified equity funds, while 8–9% is conservative for hybrid funds. Choose your duration, typically between 10 and 25 years for wealth creation goals. Switch on step-up SIP if you plan to increase contributions annually, and enable the inflation toggle to see the real purchasing power of your corpus. If you also have a lumpsum you'd like to blend in, toggle that on as well. The calculator updates instantly – there is no submit button – and the 3D charts help you visualise the compounding curve.
Yes, completely free. You don't need to sign up, share any personal details, or download anything. The calculator runs entirely in your browser.
Historically, diversified equity mutual funds in India have returned 11–14% annualised over 15+ year windows. A conservative planning figure is 12% for equity funds and 7–8% for debt funds. For hybrid funds, 9–10% is reasonable.
No – the output is pre-tax. Equity mutual funds held over a year attract 10% long-term capital gains tax above ₹1 lakh per year under the old rules (subject to changes in current finance acts). Use our income tax calculator for post-tax planning.
Most mutual fund houses allow SIPs from as low as ₹100 or ₹500 per month. There is no upper limit.
Yes. Play with different combinations until the maturity value matches your goal (for example, ₹50 lakh for a child's education in 15 years). You can also work backwards from a target using our retirement calculator.
Nothing drastic. Your SIP continues from the next month. Some fund houses may charge a small auto-debit bounce fee if the instalment was set up via NACH and the bank balance was insufficient. Missing occasional instalments does slightly reduce the final corpus but does not cancel the SIP.
Over long horizons, equity SIPs have historically outperformed FDs by a wide margin because FD returns barely beat inflation after tax. However FDs are safer and have guaranteed returns. See our SIP vs FD guide for a detailed comparison.
No, the calculator assumes a clean rate of return. In practice, exit loads (usually 1% if redeemed within a year) and expense ratios (0.5–2% per year) slightly reduce actual returns. Using a realistic return like 11% instead of 13% is a simple way to account for them.
Direct plans have a 0.5–1% lower expense ratio than regular plans because no distributor commission is paid. Over 20 years, that compound expense difference translates to roughly 10–15% more corpus. If you can pick funds yourself or with a fee-only advisor, always choose Direct plans via the fund house's website, MFCentral, or an execution-only platform.
Pick Growth for any goal-based SIP. Dividend (now called IDCW – Income Distribution cum Capital Withdrawal) pays out periodic income that breaks the compounding chain and is taxed at your slab rate. Growth lets every rupee keep compounding until you redeem.
Yes, and most well-diversified investors do. A typical mix is 1 large-cap or index fund + 1 flexi-cap fund + optionally 1 mid/small-cap fund + 1 ELSS for tax saving. Use our SIP calculator to size each leg separately and sum the maturity values.
Nothing drastic. The SIP continues from the next month. Banks may charge a small NACH bounce fee (₹100–₹500). Three consecutive misses can lead the AMC to pause the SIP – just call them to resume.
Yes. Most AMCs let you pause a SIP for 1–6 months via their app or MFCentral. Pause is far better than cancelling, since cancellation deletes the SIP and you lose the compounding clock if you forget to restart.
Over a 10-year-plus horizon, the SIP date barely matters – it changes the final corpus by under 1%. Pick any date after your salary credits so the auto-debit doesn't bounce. Most popular dates are 1st, 5th, 10th and 15th.
If your existing fund is performing well, simply step up the same SIP – fewer accounts to track and the AMC handles it. Start a new SIP only when you want exposure to a different category (e.g., adding an ELSS for 80C, or a mid-cap fund for higher growth).
No. Equity funds routinely underperform for 12–18 months before mean-reverting. Switch only after 3 consecutive years of underperformance vs. the category and benchmark, or when the fund manager changes and the mandate drifts. Use our SIP rebalancing guide for the full framework.
For mutual fund SIPs you do not need a demat account. Direct-plan SIPs via MFCentral, the AMC website, or a SEBI-registered fee-only platform are simpler and cheaper. Demat-based SIPs are only relevant for ETFs and stock SIPs.
No. SIP is just a mode of investing – you can run a SIP in any open-ended mutual fund: large-cap, flexi-cap, mid-cap, small-cap, hybrid, debt, gold, or international. ELSS is one category that qualifies for 80C deductions when invested via SIP, but it is not the only option.
The SIP calculator above gives you a single maturity value for one set of inputs. The three tables below give you the bigger picture – how the corpus moves when you change the monthly amount, the expected return, or the duration. All numbers assume monthly compounding, no step-up, and no inflation adjustment. Treat them as the planning baseline.
| Monthly SIP | 5 yrs | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|---|
| ₹1,000 | ₹0.83 L | ₹2.32 L | ₹5.05 L | ₹10.00 L | ₹18.98 L | ₹35.30 L |
| ₹2,500 | ₹2.06 L | ₹5.81 L | ₹12.62 L | ₹24.99 L | ₹47.45 L | ₹88.24 L |
| ₹5,000 | ₹4.12 L | ₹11.62 L | ₹25.23 L | ₹49.96 L | ₹94.88 L | ₹1.76 Cr |
| ₹10,000 | ₹8.25 L | ₹23.23 L | ₹50.46 L | ₹99.91 L | ₹1.89 Cr | ₹3.52 Cr |
| ₹15,000 | ₹12.37 L | ₹34.85 L | ₹75.69 L | ₹1.49 Cr | ₹2.84 Cr | ₹5.29 Cr |
| ₹25,000 | ₹20.62 L | ₹58.08 L | ₹1.26 Cr | ₹2.49 Cr | ₹4.74 Cr | ₹8.81 Cr |
| ₹50,000 | ₹41.24 L | ₹1.16 Cr | ₹2.52 Cr | ₹4.99 Cr | ₹9.49 Cr | ₹17.63 Cr |
| ₹1,00,000 | ₹82.49 L | ₹2.32 Cr | ₹5.05 Cr | ₹9.99 Cr | ₹18.97 Cr | ₹35.27 Cr |
Notice the non-linearity: doubling the monthly amount doubles the corpus, but doubling the duration grows it ~4–5x. Time beats amount, every time.
| Annual return | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 8% (debt / hybrid) | ₹18.42 L | ₹34.84 L | ₹59.30 L | ₹95.74 L | ₹1.50 Cr |
| 10% (balanced hybrid) | ₹20.66 L | ₹41.79 L | ₹76.57 L | ₹1.34 Cr | ₹2.28 Cr |
| 12% (diversified equity) | ₹23.23 L | ₹50.46 L | ₹99.91 L | ₹1.89 Cr | ₹3.52 Cr |
| 13% (flexi-cap historical) | ₹24.65 L | ₹55.74 L | ₹1.14 Cr | ₹2.27 Cr | ₹4.40 Cr |
| 14% (mid-cap optimistic) | ₹26.18 L | ₹61.66 L | ₹1.31 Cr | ₹2.72 Cr | ₹5.51 Cr |
| 15% (small-cap optimistic) | ₹27.87 L | ₹68.30 L | ₹1.50 Cr | ₹3.27 Cr | ₹6.92 Cr |
A 2% return difference looks small until you compound it: 10% vs 12% over 30 years on a ₹10K SIP is ₹2.28 Cr vs ₹3.52 Cr – a ₹1.24 Cr gap purely from category choice and expense ratio discipline. This is why direct plans and low-cost index funds matter so much.
| Annual step-up | Total invested | Final corpus | vs flat SIP |
|---|---|---|---|
| 0% (flat ₹5,000) | ₹15.00 L | ₹94.88 L | baseline |
| 5% | ₹28.64 L | ₹1.45 Cr | +53% |
| 10% | ₹59.00 L | ₹2.34 Cr | +147% |
| 15% | ₹1.30 Cr | ₹3.96 Cr | +317% |
A 10% annual step-up – the same as most Indian salary hikes – more than doubles the final corpus without feeling painful month-to-month. Turn on the step-up toggle in the calculator above to model your own scenario.
The SIP calculator is category-agnostic – it doesn't know whether your money is in an index fund or a small-cap fund. That choice is up to you, and it is the single biggest determinant of your actual return. Here is a clean cheat-sheet of the equity and debt categories that hold the bulk of Indian SIP money, with the realistic return ranges to plug into the calculator.
| Category | Realistic SIP return | Volatility | Best for | Lock-in |
|---|---|---|---|---|
| Index (Nifty 50 / Nifty Next 50) | 11–13% | Moderate | Hands-off long-term core | None |
| Large-cap active | 11–13% | Moderate | Slightly higher conviction than index | None |
| Flexi-cap | 12–14% | Moderate–High | Single-fund equity portfolio | None |
| Mid-cap | 13–15% | High | Long-horizon (10y+) wealth builders | None |
| Small-cap | 14–17% | Very high | 15–20y horizon, max 10–15% of portfolio | None |
| ELSS (tax-saver) | 12–14% | Moderate–High | 80C investors with 3y+ patience | 3 yrs per instalment |
| Aggressive hybrid | 10–12% | Moderate | First-time investors easing into equity | None |
| Conservative hybrid / debt | 7–9% | Low | Short-horizon SIPs (1–3 yrs) | None |
| Multi-asset (equity + gold + debt) | 9–11% | Low–Moderate | Retirees, low-volatility seekers | None |
A common starter portfolio for someone with a 15+ year SIP horizon: 60% in a Nifty 50 index fund + 30% in a flexi-cap + 10% in an ELSS or mid-cap. For a 5–7 year SIP, shift the mix toward 60% hybrid + 40% large-cap. See our best SIP plans for 2026 for fund-level picks updated quarterly.
The SIP calculator shows a pre-tax maturity value. Your actual take-home depends on the fund category and how long each individual SIP instalment was held. Here are the current Indian tax rules (Finance Act 2024 onwards) every SIP investor should know.
Aggressive hybrid (65–80% equity) is taxed as equity. Balanced advantage funds vary – check the fund's equity taxation classification in the SID. Multi-asset funds are usually taxed as debt unless equity stays above 65%.
For a tailored calculation of your post-tax SIP corpus, use our capital gains tax calculator together with the SIP calculator above, or run scenarios in the tax savings optimizer. The authoritative rules are published in the SEBI Mutual Fund Regulations and updated each Finance Act – we revise this page within 30 days of any rule change.
The SIP calculator quietly assumes you hold the course for the full duration. In reality, the single biggest reason real-world SIP returns lag the calculator is that investors stop SIPs during corrections. Here is the playbook the data supports.
Most AMCs accept ₹100 or ₹500 minimum SIPs. The SIP calculator works just as well on ₹500 a month – over 30 years at 12% it still grows to ₹17.6 lakh, on a total invested amount of just ₹1.8 lakh.
The SIP calculator assumes a constant rate. Real markets are volatile. SIPs average out the volatility through rupee-cost averaging, but the final corpus can be ±20% from the calculator's projection. Use 12% as a planning anchor, not a promise.
Running 12 different SIPs in 12 funds adds tracking pain without adding diversification beyond what 3–4 well-chosen funds give you. Stick to a core (index/flexi) + one or two satellites.
Timing the market is the surest way to underperform. The SIP itself is the timing strategy. Stopping when markets are high means you miss the next leg up – which is what 2017 and 2021 SIP pausers learned the hard way.
They're complementary. The optimal strategy is usually a SIP for your regular savings + a lumpsum any time a windfall (bonus, tax refund, inheritance) arrives. The STP calculator shows how to phase a lumpsum into equity over 6–12 months.
Any goal 5+ years out is a SIP candidate – child education, home down-payment, foreign trip, FIRE corpus. The SIP goal planner shows the monthly amount needed for any target.
Aarav starts a ₹6,000 monthly SIP in a Nifty 50 index fund + flexi-cap (50:50 split). He steps up 10% every year as his salary grows. At 12% expected return, by age 60 (38-year horizon) his corpus is ₹7.1 crore on a total invested amount of ₹2.5 crore. The remaining ₹4.6 crore is pure compounding – he keeps it because he started in his early twenties.
Riya and Karan want ₹50 lakh in 2041 (inflation-adjusted ₹25 lakh equivalent today) for their daughter's college. At 12% expected return, the SIP calculator says they need ₹10,000/month for 15 years. They split it 70% flexi-cap + 30% large-cap and step up 8% annually.
Vikram has 10 years to retirement and wants to add ₹1 crore to his existing corpus. With a 5-year horizon to age 60 plus another 5 years of accumulation, he can take moderate risk. Targeting 10% returns through an aggressive-hybrid SIP, the calculator says ₹48,000/month gets him there. He chooses 60% aggressive-hybrid + 40% multi-asset to soften volatility close to retirement.
Priya invests ₹50,000/month from Singapore through her NRE account, all in equity SIPs. Over 20 years at 12%, the corpus is ₹5 crore. As an NRE investor, her SIP redemption proceeds are freely repatriable, and she enjoys the DTAA benefit between India and Singapore. See the NRI SIP from Singapore page for the country-specific tax and repatriation rules.
Formula. This SIP calculator uses the standard annuity-due future value formula FV = P × [((1+r)n – 1) / r] × (1+r), with monthly compounding and the SIP instalment compounding for the full month it is invested. Step-up SIPs are computed year-by-year by re-applying the formula on the new base. Inflation is applied as a discounting factor on the nominal corpus.
Assumptions. Constant rate of return, monthly compounding, instalment paid on the first day of each month, no exit load, no expense ratio drag. For a more conservative number, plug in 11% instead of 12% – that subtracts the typical 1% expense and trading drag from a 12% gross equity expectation.
Limitations. Actual mutual fund returns are not constant. The output is a planning estimate, not a guarantee. Always read the Scheme Information Document (SID) and consult a SEBI-registered investment advisor before committing serious capital. India's mutual fund AUM and monthly SIP inflows are tracked in the AMFI monthly bulletin; SIP flows crossed ₹26,000 crore/month in 2025 – evidence that the discipline works at scale.
Last updated: 12 May 2026 · Reviewed by: the SIPCalculators.net editorial team. About our methodology.
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