SIP Calculator India 2026 – Calculate Your Mutual Fund Returns
Want to estimate how much your monthly investment could grow over time?
Use the free FinancialRelease SIP Calculator to calculate your total
investment, estimated returns and potential future corpus. Enter your
monthly SIP amount, expected annual return and investment duration to
see your results instantly.
Whether you are investing ₹500, ₹1,000, ₹5,000 or ₹10,000 per month,
this calculator can help you plan for long-term goals such as retirement,
children’s education, buying a home or building wealth.
Free SIP Return Calculator
Enter your assumptions below. Change any value to update the estimate.
Calculate SIP Returns
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An illustration, not a guaranteed return
Total Investment
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Estimated Wealth Gained
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Monthly SIP
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Investment Duration
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Mutual fund returns are market-linked. The actual value may be lower or
higher than this estimate. This calculator does not predict or guarantee
future investment performance.
What Is a SIP Calculator?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount
at regular intervals in a mutual fund. A SIP calculator estimates the
potential value of those periodic investments using an assumed rate
of return and an investment period.
A SIP is an investment method, not a separate investment product.
Your result depends on the performance of the mutual fund you choose,
the timing of investments, expenses and market conditions.
How to Use the SIP Calculator
- Enter your monthly SIP: For example, ₹5,000.
- Enter an expected annual return: Use an assumption for illustration, not as a promised return.
- Select your investment duration: For example, 10, 15 or 20 years.
- Calculate: Review your estimated future value, total contributions and potential gain.
- Compare scenarios: Try different monthly amounts, return assumptions and time periods to understand how the outcome changes.
SIP Calculator Formula
For a fixed monthly SIP invested at the end of each month, the
estimated future value is calculated using:
FV = P × [((1 + r)n − 1) / r]
Where:
- FV: Estimated future value of the SIP.
- P: Monthly investment amount.
- r: Assumed monthly rate of return, calculated here as annual rate ÷ 12.
- n: Total number of monthly investments (years × 12).
If the assumed return is 0%, the future value is simply the monthly
investment multiplied by the number of months.
This formula assumes a constant monthly rate for mathematical
illustration. Real mutual fund returns fluctuate and do not follow
a fixed monthly growth rate.
₹5,000 Monthly SIP: Illustrative Return Examples
The following examples use an assumed annual return of 12%, divided
into a monthly rate of 1%, with contributions made at the end of each
month. Values are rounded and are not actual fund performance.
| Duration | Total Invested | Estimated Value | Estimated Gain |
|---|---|---|---|
| 5 years | ₹3,00,000 | ₹4.08 lakh | ₹1.08 lakh |
| 10 years | ₹6,00,000 | ₹11.50 lakh | ₹5.50 lakh |
| 15 years | ₹9,00,000 | ₹24.97 lakh | ₹15.97 lakh |
| 20 years | ₹12,00,000 | ₹49.46 lakh | ₹37.46 lakh |
| 25 years | ₹15,00,000 | ₹93.97 lakh | ₹78.97 lakh |
Illustrative calculations only. Rounded figures may vary slightly
depending on the calculation convention. No return is assured.
How Much SIP Do You Need for Your Financial Goal?
Start with a clear financial goal and a realistic time horizon.
A longer investment period may allow compounding more time to work,
but it cannot eliminate market risk.
- ₹10 lakh goal: Estimate the monthly investment required for your chosen period and return assumption.
- ₹25 lakh goal: Compare different SIP amounts and investment horizons.
- ₹50 lakh goal: Review whether your current contribution is aligned with your target.
- ₹1 crore goal: Test different scenarios and consider inflation, taxes and the risk of lower-than-expected returns.
Remember that a future target will not have the same purchasing power
as the same amount today. Include inflation when planning for retirement,
education or other long-term expenses.
SIP vs Lump Sum Investment
| Feature | SIP | Lump Sum |
|---|---|---|
| Investment method | Invests regularly over time | Invests a larger amount at once |
| Cash flow | Can suit regular monthly savings | Requires available capital |
| Market exposure | Money enters the market periodically | Most capital enters at the time of investment |
| Risk | Still exposed to market risk | Still exposed to market risk |
Neither method is guaranteed to produce better returns in every
market. The appropriate approach depends on your financial situation,
available capital, goals and risk tolerance.
SIP vs FD guide to understand the differences between market-linked
investments and fixed deposits.
Important Things to Consider Before Starting a SIP
- Emergency fund: Keep money available for unexpected expenses before committing to long-term investments.
- Investment horizon: Match the fund category and its risks to when you will need the money.
- Risk tolerance: Equity mutual funds can experience significant declines, including over extended periods.
- Costs: Review the expense ratio and any applicable transaction or exit-load provisions.
- Taxes: Tax treatment depends on the fund type, holding period and applicable rules when you redeem.
- Review: Reassess your investments periodically against your goals instead of reacting to every market movement.
Learn the fundamentals in our
Mutual Funds in India: Complete Guide for Beginners.
Frequently Asked Questions About SIP Calculators
1. Is the SIP calculator free to use?
Yes. This calculator is free to use and provides mathematical estimates based on the inputs you enter.
2. Are SIP returns guaranteed?
No. Mutual fund returns are market-linked. The calculator uses an assumed return and cannot predict or guarantee actual performance.
3. How much can ₹5,000 per month grow in 20 years?
At an illustrative annual return of 12%, a ₹5,000 monthly SIP for 20 years could grow to approximately ₹49.5 lakh under the calculation assumptions above. The actual value can be lower or higher.
4. Can I start a SIP with ₹500 per month?
Some mutual fund schemes permit SIPs starting at ₹500, but the minimum amount and instalment conditions vary by scheme and platform. Check the scheme documents before investing.
5. Does a SIP calculator include taxes and expenses?
This basic calculator does not deduct taxes, expense ratios or other applicable costs. Your realised investment value may differ from the estimate.
6. Is SIP better than a fixed deposit?
They have different risk and return characteristics. SIPs in mutual funds are market-linked, while bank fixed deposits generally offer a stated interest rate subject to their terms. Compare liquidity, tax treatment, time horizon and risk before deciding.
7. What annual return should I enter?
There is no universally correct assumption. Try several scenarios to see how sensitive the result is to returns. Do not use a calculator assumption as a forecast or as evidence that a fund will deliver that return.
8. Does increasing my SIP improve my potential corpus?
Increasing the monthly investment generally increases the projected corpus when other assumptions remain the same. Actual results still depend on investment performance and the amount and timing of contributions.
Plan Your Investments with FinancialRelease
Use this SIP calculator as a starting point for financial planning.
Learn how mutual funds work, compare investment options carefully and
choose a strategy that suits your goals and ability to accept risk.
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for mutual fund education, fund reviews and investment calculators.