SIP Calculator India
Free SIP calculator for India 2026. Calculate mutual fund SIP returns, maturity value, and wealth gain. Supports monthly SIP with step-up planning.
Maturity Value
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Invested
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Est. Returns
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Wealth Gain
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SIP returns are subject to market risk. Past performance is not indicative of future results.
What is SIP Calculator India?
A SIP (Systematic Investment Plan) calculator estimates the future value of regular monthly investments in mutual funds or other market-linked instruments. By investing a fixed amount every month, you benefit from rupee-cost averaging and the power of compounding over time. It is one of the most popular wealth-building tools for retail investors in India.
How to use
- 1 Enter your planned monthly investment amount.
- 2 Input the expected annual return rate (mutual fund SIPs historically average 10–15% for equity funds).
- 3 Enter the investment period in years.
- 4 The calculator shows your maturity value, total amount invested, estimated returns, and wealth gain percentage.
- 5 Note that SIP returns are market-linked and not guaranteed.
Formula
Example calculation
Investing ₹5,000 per month for 10 years at a 12% expected annual return yields a maturity value of approximately ₹11.6 lakh. Your total investment over that period is ₹6 lakh, meaning the market returns generate about ₹5.6 lakh in wealth — nearly doubling your money.
Frequently asked questions
What is a SIP and how is it different from a lump sum investment?
A SIP invests a fixed amount at regular intervals (usually monthly), spreading risk across market cycles through rupee-cost averaging. A lump sum invests all money at once, which can be risky if timed poorly but rewarding if markets rise after investment.
Can I increase my SIP amount over time?
Yes. Many fund houses offer a Step-Up SIP feature that automatically increases your monthly investment by a fixed amount or percentage each year, helping you invest more as your income grows.
Is SIP only for mutual funds?
SIP is primarily associated with mutual funds in India, but the concept of regular fixed investments applies to stocks, ETFs, gold, and other assets too.
What return rate should I use for planning?
For equity mutual funds, a 10–12% annual return is commonly used for long-term projections (10+ years). Use 6–8% for debt funds and conservative scenarios. Always plan with a margin of safety.
What happens if I miss a SIP instalment?
Missing one instalment does not cancel your SIP. Most fund houses simply skip that month's investment. Repeated failures may lead to a temporary suspension, but you can restart the SIP at any time.