SIP Calculator
Calculate Systematic Investment Plan (SIP) returns and wealth growth instantly
Investment Settings
Maturity Summary
Asset Allocation
Wealth Growth Curve
What-If Scenarios
₹2,522,880
Default setup at 12% over 15 years.
₹3,027,456
+₹504,576 extra growth
₹4,995,740
+₹2,472,860 extra growth
₹3,064,269
+₹541,389 extra growth
Wealth Goals Target
Retirement Fund
Target: ₹1 Crore
Dream Home
Target: ₹50 Lakhs
Child Education
Target: ₹25 Lakhs
Investment Insights
Wealth Expansion
Your total contributions of ₹900,000 will accumulate compound interest and grow into a final portfolio value of ₹2,522,880.
Net Yield Speed
On average, this Systematic Investment Plan earns you approximately ₹108,192 in compound returns every single year.
Compounding Power
Your investment is highly effective! Your returns are larger than your invested capital. Every ₹1 invested becomes approximately ₹2.8.
Year-on-Year Growth Projection
See exactly how your compounding portfolio expands over time| Year | Total Invested | Returns Earned | Portfolio Value | Growth Rate |
|---|---|---|---|---|
| Year 0 | ₹0 | ₹0 | ₹0 | 0% |
| Year 1 | ₹60,000 | ₹4,047 | ₹64,047 | 6.7% |
| Year 2 | ₹120,000 | ₹16,216 | ₹136,216 | 13.5% |
| Year 3 | ₹180,000 | ₹37,538 | ₹217,538 | 20.9% |
| Year 4 | ₹240,000 | ₹69,174 | ₹309,174 | 28.8% |
| Year 5 | ₹300,000 | ₹112,432 | ₹412,432 | 37.5% |
| Year 6 | ₹360,000 | ₹168,785 | ₹528,785 | 46.9% |
| Year 7 | ₹420,000 | ₹239,895 | ₹659,895 | 57.1% |
| Year 8 | ₹480,000 | ₹327,633 | ₹807,633 | 68.3% |
| Year 9 | ₹540,000 | ₹434,108 | ₹974,108 | 80.4% |
| Year 10 | ₹600,000 | ₹561,695 | ₹1,161,695 | 93.6% |
| Year 11 | ₹660,000 | ₹713,074 | ₹1,373,074 | 108% |
| Year 12 | ₹720,000 | ₹891,261 | ₹1,611,261 | 123.8% |
| Year 13 | ₹780,000 | ₹1,099,656 | ₹1,879,656 | 141% |
| Year 14 | ₹840,000 | ₹1,342,090 | ₹2,182,090 | 159.8% |
| Year 15 Maturity | ₹900,000 | ₹1,622,880 | ₹2,522,880 | 180.3% |
Frequently Asked Questions
What is a SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is an investment vehicle that allows you to invest a fixed amount of money regularly (e.g. monthly) in a mutual fund scheme.
How does the SIP Calculator estimate returns?
It uses the compound interest formula, assuming your monthly contributions grow at a specified average annual rate, compounded monthly.
What is the compound growth formula used for SIP?
The future value is calculated as: FV = P × [((1 + i)^n - 1) / i] × (1 + i), where P is monthly payment, i is monthly interest rate, and n is number of months.
Are SIP returns guaranteed?
No. SIP investments in mutual funds are subject to market risks, and actual returns vary based on fund performance and market cycles.
What is the difference between SIP and lumpsum investments?
SIP distributes your investment over time, benefiting from rupee-cost averaging. Lumpsum is a one-time single investment, which depends heavily on market timing.
What expected rate of return should I enter?
For long-term equity mutual funds, historically, investors assume conservative rates between 10% and 15% annual compounded growth.
Does the calculator account for inflation?
No, this calculator shows nominal future value. To account for inflation, you can subtract your inflation rate (e.g., 6%) from the expected return rate.
Are there taxes on SIP maturity returns?
Yes, mutual fund returns are subject to capital gains tax (LTCG or STCG) depending on the holding period and asset class.