Calculate your mutual fund SIP returns and estimated wealth for any investment period.
This tool calculates the future value of a Systematic Investment Plan (SIP) — a method of investing a fixed amount regularly (typically monthly) into mutual funds. It helps investors project potential returns based on their contribution amount, expected return rate, and investment duration.
Future Value = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r), where P is the monthly investment amount, r is the expected monthly return rate (annual rate ÷ 12), and n is the total number of monthly investments.
Enter your monthly SIP amount, expected annual return rate, and investment duration, and the calculator projects the estimated future value of your investment.
Example: Investing ₹10,000 monthly for 15 years at an expected 12% annual return grows to approximately ₹50,45,760, substantially more than the total invested amount (₹18,00,000) due to compound growth.
Are SIP returns guaranteed? No, SIP investments are typically in market-linked mutual funds, so actual returns depend on market performance and are not guaranteed — this calculator's projection assumes a constant estimated rate for planning purposes only.
What is rupee cost averaging, and how does it relate to SIPs? Investing a fixed amount regularly means you automatically buy more units when prices are low and fewer when prices are high, which can help average out the purchase cost over time compared to a single lump-sum investment at potentially the wrong time.
Why is SIP often recommended for long-term goals? The combination of regular disciplined investing and compound growth over a longer time horizon can significantly grow wealth, while also helping smooth out the impact of short-term market volatility compared to trying to time the market with lump sums.
Can I increase my SIP amount over time? Yes, many investors use a "step-up SIP" approach, increasing their contribution amount periodically (often annually, in line with income growth), which can meaningfully boost the final corpus compared to a fixed, unchanging SIP amount.
What's a realistic expected return rate to use for SIP projections? This varies by fund category and market conditions — equity mutual funds have historically shown higher long-term average returns than debt funds, though past performance doesn't guarantee future results, so using a reasonably conservative estimate is generally prudent.