Calculate your mutual fund SIP returns and plan your investments
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Enter your monthly SIP (Systematic Investment Plan) amount, expected annual return rate, and investment duration in years. The calculator shows your total invested amount, estimated returns, and the total corpus you can expect at maturity.
The visual chart displays the growth trajectory of your investment, clearly showing how compounding accelerates wealth creation over time. A year-by-year breakdown table shows the invested amount and corpus value at each milestone.
Use the goal planner mode in reverse — enter your target corpus amount and time horizon to calculate the monthly SIP needed to reach your financial goal.
SIP is one of the most effective wealth-building strategies for regular income earners. Understanding how your monthly investments grow over time through compounding helps you set realistic financial goals and stay committed to your investment plan.
This calculator visualizes the power of consistent investing, showing how even modest monthly amounts grow significantly over 10, 15, or 20 years. It helps you plan for retirement, education funding, home purchase down payments, or any long-term financial goal.
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly — usually monthly — into a mutual fund or investment instrument. It enforces discipline by automating investments and benefits from rupee cost averaging, where you buy more units when prices are low and fewer when prices are high.
Historical long-term equity mutual fund returns in India have averaged 12-15% annually. For conservative planning, use 10-12% for equity funds and 6-8% for debt funds. Remember that actual returns will vary year to year, and past performance does not guarantee future results.
Each monthly installment earns returns, and those returns earn additional returns in subsequent periods. Over long durations, compounding creates exponential growth. For example, a monthly SIP of 10,000 at 12% for 20 years invests 24 lakh but creates a corpus of approximately 1 crore — more than 75 lakh in pure returns.
Yes. SIPs are flexible — you can increase, decrease, pause, or stop your SIP at any time without penalties in most mutual funds. Many investors use a step-up SIP strategy, increasing their monthly amount by 10-15% annually as their income grows.
