SIP Calculator – Mutual Fund SIP Returns

What your result means

Amount invested is simply your monthly SIP multiplied by the number of months. Estimated returns is the growth on top of that, and estimated value is what the investment could be worth at the end of the period at the rate you assumed. The bar shows the share of your own money versus growth: over long periods the growth part becomes bigger than what you put in. That is compounding at work.

Open the year-wise growth table to see the value at the end of each year. Notice that the last few years add far more than the first few, even though you invest the same amount each month.

How to use this SIP calculator

1. Choose Monthly SIP (regular investing) or One-time (a lumpsum invested today).
2. Enter the amount you will invest each month, for example 5000.
3. Enter the expected annual return in percent. Use a realistic figure for your fund type, not the best year you have seen.
4. Enter the number of years you will stay invested.
5. Read the estimated value instantly and adjust the inputs to see how a larger SIP, a longer period or a different rate changes the outcome.

Formula and worked example

The calculator uses the future value of an annuity due, because a SIP instalment is invested at the start of each month. This is the standard method for a regular monthly investment; a calculator that assumes end-of-month investment will show a slightly lower figure.

FV = P × ((1 + i)^n − 1) ÷ i × (1 + i)
P = monthly SIP, i = annual return ÷ 12 ÷ 100, n = months

Worked example (computed by this tool’s own function): SIP of ₹5,000 per month at 12% per year for 10 years.

• i = 12 ÷ 12 ÷ 100 = 0.01, n = 120 months
• (1.01)^120 ≈ 3.3004
• FV = 5,000 × (3.3004 − 1) ÷ 0.01 × 1.01 = ₹11,61,695
• Amount invested = ₹6,00,000
• Estimated returns = ₹5,61,695

Year-wise, the value grows like this: year 1 ₹64,047, year 5 ₹4,12,432, year 10 ₹11,61,695.

For comparison, investing the same ₹6,00,000 as a lumpsum today at 12% for 10 years would grow to ₹18,63,509, because the whole amount compounds from day one.

SIP reference table

All values are produced by the same function that powers the calculator above and are rounded to the nearest rupee.

Special cases and common mistakes

• Returns are not guaranteed. The rate you enter is an assumption. Equity funds can fall 20–30% in a bad year; the real path to your goal will be bumpy even if the long-term average works out.
• Inflation. ₹11.6 lakh in 10 years will buy less than ₹11.6 lakh today. For goal planning, either use a lower “real” return (expected return minus inflation) or increase the target amount.
• Step-up SIPs. Many investors raise their SIP by 5–10% every year as income grows. This calculator assumes a constant amount, so a step-up SIP will reach the target sooner.
• Expense ratio and exit load. Fund expenses are already reflected in published returns (NAV), but exit loads on early withdrawal and taxes are not included here.
• Start-of-month vs end-of-month. We assume the instalment is invested at the start of each month. If your SIP date is at the end, the value is slightly lower (by one month of growth).
• Entering a monthly rate. The rate field expects the annual return. Entering 1 (meaning 1% per month) will understate your result.