Calculate your mutual fund returns with our advanced SIP calculator.
Increase your SIP amount every year to reach your goals faster.
Monthly EMI
₹ 43,391
| Period | Invested | Balance |
|---|
Say you put ₹10,000 every month for 15 years and the fund grows at 12% a year. You put in ₹18 lakh in total. The calculator shows a final value of about ₹50.5 lakh. That means about ₹32.5 lakh of it is profit, almost double the money you put in yourself.
Here is how the result changes when you change the time or the return (all at ₹10,000 a month, no fees):
| Years and yearly return | You put in | Value at the end |
|---|---|---|
| 10 years at 12% | ₹12 lakh | ₹23.2 lakh |
| 15 years at 12% | ₹18 lakh | ₹50.5 lakh |
| 20 years at 12% | ₹24 lakh | ₹99.9 lakh |
| 15 years at 8% | ₹18 lakh | ₹34.8 lakh |
| 15 years at 15% | ₹18 lakh | ₹67.7 lakh |
| 15 years at 12%, SIP raised 10% every year | ₹38.1 lakh | ₹86.8 lakh |
Look at the 15 and 20 year rows. The last 5 years add ₹49 lakh, almost as much as the whole first 15 years together. That is compounding: the longer you stay, the faster the money grows. Stopping a SIP early costs much more than it looks.
A SIP calculator is a simple maths tool. It is useful for planning, but real investing is messier. Keep these points in mind:
The calculator assumes a smooth 12% every year. Real funds can fall 20% in one year and rise 40% in the next, and your final value depends on which years you were in. To see what a real fund actually did with a SIP, try our Mutual Fund Backtester. It uses the fund’s real daily NAV.
Use the "Expense ratio" box. A 1% fee turns 12% into 11%, and the 15-year value drops from ₹50.5 lakh to ₹45.9 lakh, which is ₹4.6 lakh less. Regular plans charge more than Direct plans for the same fund. See the gap with our Direct vs Regular Calculator or compare fund fees in the Fund Cost Screener.
Prices keep rising. At 6% inflation, prices roughly double every 12 years. So ₹50.5 lakh after 15 years will buy what about ₹21 lakh buys today. Turn on the inflation switch above, or try our Inflation Calculator.
The value shown is before tax. For equity funds held over 1 year, profit above ₹1.25 lakh in a year is taxed at 12.5% (plus cess) when you sell. Debt funds are taxed at your income tax slab.
Some websites set up their calculators to show bigger, nicer numbers. We wrote about the tricks to watch for in how mutual fund calculators can mislead you. If you are saving for a set goal like a house or a child's education, the Goal Planner works backwards from the amount you need.
Quick answers to help you use our financial tools.
A Systematic Investment Plan (SIP) calculator is an online tool that helps you estimate the future value of your mutual fund investments. By entering your monthly investment amount, expected rate of return, and tenure, it projects your potential wealth accumulation based on the power of compounding.
The calculator uses a mathematical formula to estimate how your periodic investments will grow. It calculates the total amount invested, estimated returns (gains), and the total maturity value by compounding the expected rate of return over your chosen investment tenure.
No, the returns shown are illustrations and estimates only. They do not represent actual guaranteed returns, as mutual fund investments are subject to market risks and do not offer a fixed rate of return.
A SIP allows you to invest small, fixed amounts at regular intervals (like monthly), which helps with rupee cost averaging. A lump sum is a one-time investment of a larger amount. SIPs are often suggested to reduce the risk associated with timing the market.
At a 12% yearly return, ₹10,000 a month for 20 years grows to about ₹1 crore (₹99.9 lakh). If you want ₹1 crore in 15 years, you need about ₹20,000 a month. With a lower return or higher fees you need more. Use the Goal Planner for your own target.
Over long periods, it has been close. The Nifty 50 index (with dividends) grew about 11.7% a year in the 10 years to September 2026. But in the 5 years to September 2026 it grew only about 6.9% a year. A fund can also do better or worse than the index. Try 10% and 12% both to see a safer and a hopeful result.
Step-up raises your SIP amount once a year, usually when your salary goes up. With a 10% step-up, ₹10,000 a month becomes ₹11,000 in year 2, ₹12,100 in year 3, and so on. Over 15 years at 12%, this grows ₹38.1 lakh of investment to about ₹86.8 lakh, compared with ₹50.5 lakh for a flat SIP.