About the SIP Calculator
This free SIP calculator shows what a monthly mutual fund investment could grow into. Enter your monthly amount, the yearly return you expect and how many years you will keep investing — you get the maturity value, the total you actually put in, and the gain on top.
The three numbers together are the point. Investing ₹5,000 a month for 15 years means you contribute ₹9,00,000 of your own money; the rest of the maturity value is compounding doing the work.
How to use the SIP calculator
- Enter your Monthly investment in rupees — the SIP instalment you can commit to every month.
- Enter the Expected yearly return as a percentage.
- Enter the Investment period in years.
- Click Calculate result, then Copy result to save the figures.
What return should you assume?
This is where most people go wrong. Be conservative:
- Equity funds — 10% to 12% is a realistic long-term assumption. Some years will be negative.
- Hybrid funds — roughly 8% to 10%.
- Debt funds — roughly 6% to 7%.
Plugging in 18% because a fund did that last year will give you a number you will never reach. Run a realistic figure and a pessimistic one, and plan for the lower.
Why years matter more than the amount
Compounding is slow at first and steep at the end. Try the same ₹5,000 monthly at 12% across three periods:
- 10 years — the gain is smaller than what you invested.
- 20 years — the gain clearly overtakes your contribution.
- 30 years — the gain dwarfs everything you put in.
Starting five years earlier usually beats investing a bigger amount later. Run both in the calculator and see for yourself.
Things this calculator does not include
- Inflation — ₹1 crore in 25 years will not buy what ₹1 crore buys today.
- Expense ratio — the fund’s annual fee is already inside its reported return, but a high ratio quietly eats into it.
- Capital gains tax — equity gains above the exempt limit are taxed when you redeem.
- Step-up SIPs — this assumes a fixed monthly amount. Raising your SIP each year changes the result substantially.
SIP Calculator FAQs
Is this SIP calculator free?
Yes. No account, no signup, and you can run it as many times as you like.
Is the maturity amount guaranteed?
No. Mutual funds are market linked. The calculator shows what a steady return would produce, but real returns vary year to year and can be negative. Treat the result as a projection, not a promise.
What is the difference between SIP and lump sum?
A SIP spreads your investment across months, so you buy at many different prices and avoid timing the market. A lump sum puts everything in at one price. This calculator is for SIPs.
Can I stop or change my SIP later?
Yes. SIPs can be paused, increased or stopped without penalty in most funds. If you plan to increase it yearly, recalculate with the higher amount to see the difference.
Does it account for inflation?
No. To see the result in today’s money, subtract roughly 6% from your expected return — so a 12% assumption becomes about 6% real.
Is my data saved anywhere?
No. Everything is calculated in your browser. Nothing is sent to a server.
Related online tools
- EMI Calculator — compare investing a monthly amount against paying it as a loan EMI.
- Percentage Calculator — quick return and share calculations.
- GST Calculator — add or remove GST from any amount.
- All calculators — the full list.