India SIP Calculator: Mutual Fund Systematic Investment Growth
Estimate the future value of a mutual fund SIP (Systematic Investment Plan) in India — investing a fixed amount each month — over your chosen period and expected return. SIP is the most popular way Indians invest in mutual funds.
Adjust the inputs and select Calculate for a full breakdown.
Year-by-year growth schedule
Compare Common Scenarios
How the numbers shift across typical situations for this calculator:
| Scenario | Future value | Total contributions | Total interest earned |
|---|---|---|---|
| ₹10k/mo · 12% · 10yr | $2,300,386.89 | $1,200,000.00 | $1,100,386.89 |
| ₹5k/mo · 12% · 20yr | $4,946,276.83 | $1,200,000.00 | $3,746,276.83 |
| ₹25k/mo · 11% · 15yr | $11,367,239.37 | $4,500,000.00 | $6,867,239.37 |
| ₹3k/mo · 12% · 25yr | $5,636,539.88 | $900,000.00 | $4,736,539.88 |
How This Calculator Works
Enter any existing lump sum, your monthly SIP amount, the expected annual return, and the investment period. The calculator compounds the contributions monthly and shows the projected corpus and how much is investment growth versus your invested amount. SIP applies rupee-cost averaging — investing a fixed sum regularly regardless of market level.
The Formula
Future Value with Regular Contributions
P = starting amount, PMT = monthly contribution, r = monthly rate (annual ÷ 12), n = number of months
Worked Example
A ₹10,000 monthly SIP for 10 years at an assumed 12% grows to about ₹23.0 lakh (₹2,300,387) — of which roughly ₹11.0 lakh is growth on ₹12 lakh invested. A SIP (Systematic Investment Plan) automates investing a fixed amount into a mutual fund at regular intervals (usually monthly). It's wildly popular in India because it instils discipline, applies rupee-cost averaging (you buy more units when prices are low and fewer when high), and harnesses compounding over long horizons — turning modest monthly amounts into a large corpus.
Key Insight
The SIP is the cornerstone of retail investing in India, and understanding it helps set realistic expectations. The mechanics: you invest a fixed sum (e.g. ₹10,000) monthly into a chosen mutual fund, buying units at the prevailing NAV — so over time you average your purchase price (rupee-cost averaging), which smooths out market volatility and removes the need to time the market. The two big drivers of the outcome are the monthly amount and time: because of compounding, starting early and staying invested matters far more than the exact amount, and the final years of a long SIP add disproportionately to the corpus. Important caveats this estimate simplifies: the 12% commonly used for equity SIPs is an assumption, not a guarantee — actual returns vary year to year and can be negative over short periods, so equity SIPs suit long horizons (5+ years, ideally 10+); the calculator uses a constant return, while real markets are volatile (the realised value could be higher or lower); and it ignores the fund's expense ratio (which reduces returns), any exit load for early redemption, and tax — equity fund gains attract capital gains tax (LTCG above a threshold, STCG if sold within a year), and debt funds are taxed differently. SIPs can be in equity funds (higher expected return, higher risk — assume ~10–12%), debt funds (lower, steadier — assume less), or hybrid. A 'step-up SIP' (increasing the monthly amount each year, e.g. with your income) grows the corpus substantially more. This is a planning estimate; for net wealth, factor expense ratios and capital gains tax, use a conservative return for safety, and remember SIP's real power is the discipline and compounding of staying invested through market cycles.
Frequently Asked Questions
How is SIP future value calculated?
Each monthly SIP contribution compounds at the expected return (annual rate ÷ 12 per month). A ₹10,000 monthly SIP for 10 years at 12% grows to about ₹23.0 lakh, of which roughly ₹11.0 lakh is growth on ₹12 lakh invested — before expenses and tax.
What is a SIP?
A Systematic Investment Plan — investing a fixed amount into a mutual fund at regular intervals (usually monthly). It automates investing, applies rupee-cost averaging (buying more units when prices are low, fewer when high), and harnesses long-term compounding. It's the most popular way Indians invest in mutual funds.
Is the 12% return guaranteed?
No. The ~12% commonly used for equity SIPs is an assumption based on long-run history, not a guarantee — actual returns vary year to year and can be negative over short periods. This calculator uses a constant return, but real markets are volatile, so equity SIPs suit long horizons (ideally 10+ years) and the realised value will differ.
Does this account for fees and tax?
No — it's a gross estimate. It ignores the fund's expense ratio (which reduces returns), any exit load for early redemption, and capital gains tax (equity funds: LTCG above a threshold, STCG if sold within a year; debt funds taxed differently). Your net corpus is somewhat lower than the projection.
What is a step-up SIP?
A SIP where you increase the monthly amount periodically (e.g. each year, in line with your income growth). Because the extra contributions compound, a step-up SIP builds a substantially larger corpus than a flat SIP over a long period — a powerful way to grow investing as your earnings rise. This calculator models a flat monthly amount.
Related Calculators
Methodology & Review
The future value compounds a starting amount and a fixed monthly SIP contribution at the expected annual return, compounded monthly. It assumes a constant return; actual equity returns are volatile, and it ignores expense ratios, exit loads, and capital gains tax on redemption.
Written by Ugo Candido · Last updated May 22, 2026.