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.
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.
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.
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.
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.
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.
A Systematic Investment Plan (SIP) involves investing a fixed amount at regular intervals, usually monthly, into a mutual fund, and this calculator projects the future value of those cumulative investments based on your monthly contribution, expected annual return rate, and investment duration. Because each monthly installment is invested at a different point in time, the calculation accounts for compounding on each individual contribution separately, producing a realistic estimate of how your regularly invested money is likely to grow.
Because SIP returns compound over the entire investment period, starting even a few years earlier can meaningfully change your final outcome, since your earliest contributions have the most time to benefit from compounding growth. This is part of why SIPs are frequently recommended as a long-term wealth-building tool — rupee-cost averaging combined with long-term compounding tends to smooth out market volatility better than trying to time lump-sum investments around market highs and lows.
This calculator is particularly useful for comparing different SIP scenarios side by side — seeing how increasing your monthly contribution by even a modest amount changes your projected corpus, or how extending your investment duration by a few extra years compounds into a substantially larger final figure. Keep in mind that the expected return rate you enter is an assumption, and actual mutual fund returns will fluctuate year to year rather than growing at a perfectly smooth, fixed rate.
A step-up SIP involves gradually increasing your monthly contribution over time, often in line with salary growth, rather than keeping it fixed for the entire investment period, and this small habit can meaningfully boost your final corpus since later, larger contributions still benefit from years of remaining compounding time. Many investors find that starting with a comfortable amount and stepping it up annually is easier to sustain than committing to a large fixed contribution from day one.
SIPs work by investing smaller amounts regularly rather than a large sum all at once, which naturally averages your purchase cost across market ups and downs over time, reducing the risk of investing a large lump sum right before a market downturn. While lump-sum investing can outperform SIPs in a consistently rising market, many investors prefer the more disciplined, lower-stress approach that SIPs offer, especially for long-term goals where consistency matters more than perfectly timing the market.
While this calculator uses a fixed assumed return rate for projection purposes, it's worth periodically reviewing your actual mutual fund's performance against your expectations, since consistently underperforming funds may be worth reconsidering as part of your broader long-term investment strategy.
How does rupee cost averaging benefit SIP investors during volatile markets? Since a fixed contribution amount buys more units when prices are low and fewer units when prices are high, SIP investing naturally averages out the purchase price over time, reducing the risk of investing a large sum at an unfavorable market peak.
Can SIP contribution amounts be increased over time, and how does that affect projections? Yes, many investors use a step-up SIP approach, increasing contributions periodically as income grows, which can significantly boost the final corpus compared with maintaining a flat contribution amount throughout the entire investment period.