SIP / Mutual Fund Calculator

Estimate the maturity value of your monthly SIP investment and see how compounding grows your wealth over your chosen period.

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₹10,000
12%
10 yr

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How the SIP Calculator works

A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds every month. Because returns compound over time, even small monthly amounts can grow into a large corpus over the years. This calculator estimates your maturity value using the future value of a monthly annuity.

The power of compounding: investing ₹10,000 a month at 12% for 20 years can grow to nearly ₹1 crore — a large part of which is pure returns, not your own money.

Things to remember

Mutual fund returns are market-linked and not guaranteed — the 12% default is a long-term equity assumption, not a promise. Staying invested through market ups and downs is what makes SIPs work.

Planning a big goal but short on funds today? Some investors bridge the gap with a personal loan, then invest steadily. Check your eligibility free with our advisor.

FAQ

Frequently Asked Questions

What is a SIP?
A Systematic Investment Plan lets you invest a fixed sum in a mutual fund at regular intervals, usually monthly, to build wealth over time through compounding.
Are SIP returns guaranteed?
No. Mutual fund returns are linked to market performance and are not guaranteed. The expected return here is an estimate for planning only.
What return should I assume?
Historically, diversified equity funds in India have delivered roughly 10-14% over long periods. Conservative investors may assume 10%, aggressive 14-15%.
Can I change my SIP amount later?
Yes. Most funds let you increase, decrease, pause or stop your SIP. A step-up SIP that rises each year grows your corpus significantly faster.

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