SIP Calculator
Project the future value of a monthly SIP at an assumed annual return.
- Invested
- Value
- Invested
- ₹12.00L
- Est. gain
- ₹11.23L
Projection assumes a constant 12% annual return compounded monthly. Actual returns vary.
Independent · No commissions · No fund-house data — how the numbers are computed
How it works
A SIP (Systematic Investment Plan) invests a fixed amount into a mutual fund every month. This calculator projects what that stream of contributions could grow to: enter the monthly amount, the duration and an expected annual return, and it compounds each installment monthly to a future value. The default ₹10,000 a month for 10 years at 12% is a starting point for exploration, not a prediction.
The one assumption doing all the work is a flat annual return. Real equity funds do not return the same figure every year — they swing, sometimes sharply, and the order of good and bad years changes what a real SIP ends up worth. Treat the output as the trajectory of an average, not a promise: the same inputs against an actual fund would land somewhere above or below it.
This site has two tools that go beyond the assumption. The MF Calculator backtests the same monthly SIP against a real fund's NAV history, buying units at each month's actual price, so you see what a fund genuinely delivered. And the screener filters all funds by realized 3, 5 and 10-year returns, so instead of guessing a rate you can find the funds that actually earned it.
FV = M × ((1 + r)^n − 1) / r × (1 + r)M is the monthly investment, r is the annual return divided by 12 (as a decimal), and n is the number of monthly installments. The trailing (1 + r) reflects that each installment is invested at the start of its month and compounds through it.
Frequently asked questions
Is the return from a SIP guaranteed?
No. A SIP is a way of investing in a mutual fund, not a product with its own return — the money buys fund units at each month's NAV, and the outcome depends entirely on how that fund performs. A SIP calculator's projection assumes one constant annual rate; actual fund returns vary year to year and can be negative over short periods.
What return should I assume in a SIP calculator?
There is no single right number — the assumption should reflect the asset class. Indian equity fund categories have historically compounded in the high single digits to low teens over long holding periods, while debt funds sit lower; the 12% default here is a common equity assumption, not a forecast. A more grounded approach is to check the realized 5 and 10-year returns of actual funds in the category you plan to invest in.
How are SIP returns taxed in India?
Each SIP installment is a separate purchase with its own holding period. For equity-oriented funds, units redeemed within 1 year of their purchase attract 20% short-term capital gains tax; units held 1 year or more are taxed at 12.5% on long-term gains above a ₹1.25 lakh per-year exemption. For debt funds, since April 2023 all gains are added to income and taxed at slab rate. Tax applies on redemption, not while the SIP runs.
Does a SIP calculator account for market ups and downs?
No. A standard SIP calculator, including this one, compounds every installment at one flat assumed rate — there are no drawdowns, no volatility, no sequence of good and bad years in the projection. Real SIP outcomes differ from the smooth curve because units are bought at fluctuating NAVs. Backtesting a SIP against a real fund's NAV history shows what the same plan actually produced.
Is SIP better than a lumpsum investment?
Neither is universally better. Mathematically, a lumpsum invested on day one spends more time in the market, so it wins when markets rise steadily. A SIP staggers entry, buying more units when prices fall (rupee cost averaging), so it cushions a decline that comes early — and it matches how most people receive income, monthly. The historical comparison for any specific fund can be run in the MF Calculator.
Go further
Run the same monthly SIP against a real fund's NAV history instead of an assumed rate.
Find funds that actually delivered the return you are assuming.
How a SIP works, from mandate to units, in plain terms.
Project a SIP whose monthly amount rises every year with your income.
When staggering entry helps, when it costs — the honest comparison.