SIP Calculator (India)
See how a monthly Systematic Investment Plan compounds over time. Built for Indian mutual fund investors. No sign-up.
Your numbers
Result
Indicative only. Mutual fund returns are not guaranteed; past performance does not predict future returns.
How a SIP calculator works
A SIP (Systematic Investment Plan) is a monthly investment in a mutual fund. The calculator projects your future value using the standard SIP future value formula:
FV = P × ([(1 + r)n − 1] / r) × (1 + r)
- P = your monthly SIP amount (₹)
- r = monthly rate of return = annual return ÷ 12 ÷ 100
- n = total number of months = years × 12
Indian equity funds have historically delivered 10–14% annualised over 15+ years. Hybrid funds give 8–10%; debt funds 6–8%. Use a conservative return assumption for planning.
Frequently asked questions
How is SIP return calculated?
Future value = P × ([(1+r)^n − 1] / r) × (1+r), where P is the monthly SIP, r is the monthly rate of return (annual ÷ 12), and n is the number of months. The calculator above runs this formula instantly.
What is a realistic SIP return in India?
Indian equity mutual fund SIPs have historically delivered 10–14% per year over long horizons (15+ years). Hybrid funds give 8–10%, debt funds 6–8%. Past returns are not a guarantee of future results.
Does this SIP calculator account for inflation?
No — the output is the nominal future value. To get inflation-adjusted (real) value, lower your assumed return rate by ~5–6% to account for typical Indian CPI inflation.
Can I use this for ELSS / tax-saving SIPs?
Yes — the math is identical. Note that ELSS investments are locked in for 3 years and qualify for ₹1.5 lakh deduction under Section 80C.
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