Calculate your exact SIP returns, see year-by-year growth, and find out how much to invest for your financial goals.
Monthly SIP Amount
₹
₹500₹2 Lakh
Expected Annual Return
% p.a.
1%30%
Investment Period
Years
1 Year40 Years
Lumpsum Investment
₹
₹5,000₹1 Crore
Expected Annual Return
% p.a.
1%30%
Investment Period
Years
1 Year40 Years
Target Amount
₹
₹1 Lakh₹10 Crore
Expected Annual Return
% p.a.
1%30%
Time to Achieve Goal
Years
1 Year40 Years
Total Wealth Created
₹0
₹0
Amount Invested
₹0
Returns Earned
0x
Wealth Multiplier
Year-by-year growth
Invested
Returns
Year-by-year breakdown
Year
Invested (₹)
Returns (₹)
Total Value (₹)
✦ Common financial goals — click to calculate
SIP Calculator — Calculate Your Mutual Fund Returns
SIPReturnsCalculator is a free online SIP calculator for Indian investors. Whether you're investing in equity mutual funds, debt funds or balanced funds, our calculator shows you exactly how your monthly SIP will grow over time — with a year-by-year breakdown and wealth multiplier.
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund every month. Instead of investing a lump sum, you invest small amounts regularly — which benefits from rupee cost averaging and the power of compounding. Most Indian mutual funds allow SIPs starting from as low as ₹500 per month.
SIP returns formula
The SIP maturity value is calculated using the future value of an annuity formula:
M = P × [(1+r)^n – 1] ÷ r × (1+r) where r = monthly rate, n = months
How much SIP is needed to reach ₹1 crore?
SIP Amount
At 12% returns
At 15% returns
₹5,000/month
~24 years
~20 years
₹10,000/month
~18 years
~15 years
₹20,000/month
~13 years
~11 years
₹50,000/month
~8 years
~7 years
Frequently Asked Questions
Historically, large-cap mutual funds in India have delivered 10–13% annual returns over long periods. Mid-cap and small-cap funds have delivered 13–18% but with higher volatility. For conservative estimates, use 10–12%. For aggressive equity funds, 12–15% is reasonable. Debt funds typically return 6–8%.
At 12% annual returns, a ₹10,000/month SIP for 10 years will grow to approximately ₹23.2 lakhs. You would have invested ₹12 lakhs and earned ₹11.2 lakhs in returns — nearly doubling your money. At 15% returns, it would grow to ₹27.9 lakhs.
For long-term goals (5+ years), SIP in equity mutual funds typically outperforms FDs significantly. FDs currently offer 6–7.5% while equity mutual funds have historically returned 10–15% over long periods. However, SIPs carry market risk while FDs are risk-free. For short-term goals (under 3 years), FDs may be safer.
Most mutual funds in India allow SIPs starting from ₹100 to ₹500 per month. Popular funds like Axis Bluechip, Mirae Asset Large Cap and HDFC Mid-Cap Opportunities allow SIPs from ₹500/month. Some ELSS (tax-saving) funds allow SIPs from ₹500 with Section 80C tax benefits up to ₹1.5 lakh per year.
In a lumpsum investment, you invest a large amount at once. In SIP, you invest a fixed amount every month. SIP benefits from rupee cost averaging — you buy more units when prices are low and fewer when prices are high, reducing the impact of market volatility. For most salaried individuals, SIP is the recommended approach as it aligns with monthly income.