SIP Returns Calculator

Systematic Investment Plan • Mutual Funds

Monthly SIP Amount

₹10,000

₹500₹1,00,000

Expected Annual Return

12%

1%30%

Investment Period

15 yrs

1 yrs40 yrs

Total Value at Maturity

₹50.46 L

Invested

₹18.00 L

Est. Returns

₹32.46 L

Wealth Gain

180%

Investment Growth Over 15 Years

Year	Invested	Total Value
Yr 11	₹13.20 L	₹27.46 L
Yr 12	₹14.40 L	₹32.23 L
Yr 13	₹15.60 L	₹37.59 L
Yr 14	₹16.80 L	₹43.64 L
Yr 15	₹18.00 L	₹50.46 L

Understanding SIP: The Smart Way to Invest in Mutual Funds

A SIP (Systematic Investment Plan) allows you to invest a small, fixed amount in mutual funds every month. Instead of waiting to accumulate a large lumpsum, you can start building wealth with as little as ₹500/month. The magic of SIP is compounding — your returns earn returns, creating an exponential wealth-building effect over time.

SIP Formula

FV = P × [((1+r)^n – 1) / r] × (1+r)
FV = Future Value (Maturity amount)
P = Monthly SIP amount
r = Monthly return rate (Annual Rate ÷ 12 ÷ 100)
n = Total months of investment

Why Start SIP Early?

The earlier you start, the more powerful compounding becomes. A ₹10,000/month SIP at 12% return: Starting at 25 builds ₹3.5 crore by 55 (30 years). Starting at 35 builds only ₹99 lakh by 55 (20 years). The 10-year head start makes a 3.5x difference!

How to Use This Tool

Enter Monthly SIP Amount

Enter the amount you plan to invest every month. Start with even ₹500 to build the habit.

Set Expected Annual Return

Enter the expected annual return rate. Use 10–12% for equity funds, 6–7% for debt funds.

Choose Investment Period

The longer you invest, the more powerful the compounding effect. Try 15–20 years for wealth creation.

Analyse the Results

See your total corpus, returns generated, and wealth gain percentage instantly.

Use the Growth Chart

The area chart shows how your investment and returns grow year by year — this visualises the compounding effect.

Frequently Asked Questions

SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals (usually monthly). The power of SIP lies in rupee cost averaging — you buy more units when NAV is low and fewer when NAV is high, reducing the average cost per unit over time.

Most mutual funds in India allow SIP with as little as ₹100–₹500 per month. Popular funds like HDFC Mid-Cap, Mirae Asset, and Axis Bluechip have ₹500 minimum SIP. Some platforms like Groww, Zerodha, and Paytm Money offer SIPs starting from ₹100.

The Indian stock market (Nifty 50) has historically delivered ~12% CAGR over a 10+ year period. For large-cap equity funds, 10–12% is a reasonable expectation; mid-cap and small-cap funds may deliver 13–16% but with higher risk. Debt funds typically return 6–8%.

In SIP, you invest a fixed amount regularly over time, which reduces timing risk through rupee cost averaging. Lumpsum is a one-time large investment, which can give higher returns if you invest at market lows, but carries higher timing risk.

Yes, most AMCs and platforms allow you to pause SIP for 1–3 months or stop it permanently without any penalty. Your existing investments remain in the fund and continue to grow.

Yes. Equity mutual fund gains held for more than 1 year are classified as Long-Term Capital Gains (LTCG) and taxed at 10% above ₹1 lakh per year. Gains held for less than 1 year are Short-Term Capital Gains (STCG) taxed at 15%.

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