SIP Returns Calculator
Estimate the future value of your monthly mutual fund investments. Adjust your SIP amount, tenure, and expected return rate and see results instantly.
Quick Presets
SIP Frequency
Calculations based on standard SIP formula. Returns are estimates and not guaranteed.
Updated: March 2026
Total Invested
₹30.00L
Est. Wealth Gained
₹28.08L
Total Future Value
₹58.08L
Year-Wise Breakdown
| Year | Invested (₹) | Returns (₹) | Total Balance (₹) |
|---|---|---|---|
| 1 | ₹3,00,000 | ₹20,233 | ₹3,20,233 |
| 2 | ₹6,00,000 | ₹81,080 | ₹6,81,080 |
| 3 | ₹9,00,000 | ₹1,87,691 | ₹10,87,691 |
| 4 | ₹12,00,000 | ₹3,45,871 | ₹15,45,871 |
| 5 | ₹15,00,000 | ₹5,62,159 | ₹20,62,159 |
| 6 | ₹18,00,000 | ₹8,43,926 | ₹26,43,926 |
| 7 | ₹21,00,000 | ₹11,99,475 | ₹32,99,475 |
| 8 | ₹24,00,000 | ₹16,38,164 | ₹40,38,164 |
| 9 | ₹27,00,000 | ₹21,70,538 | ₹48,70,538 |
| 10 | ₹30,00,000 | ₹28,08,477 | ₹58,08,477 |
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a disciplined way of investing a fixed sum in a mutual fund scheme at regular intervals — usually monthly. It eliminates the need to time the market by spreading your purchases across multiple NAV points.
SIP Future Value Formula
FV = P × [ (1 + r)ⁿ − 1 ] / r × (1 + r)
Future Value
Monthly Investment
Monthly Return Rate
No. of Installments
3 Key Benefits of SIP Investing
Rupee Cost Averaging
You buy more units when prices are low and fewer when prices are high — automatically averaging your cost without any guesswork.
Power of Compounding
Returns generate their own returns over time. A ₹5,000/month SIP at 12% for 20 years can grow to over ₹49 lakhs.
Financial Discipline
Auto-debit ensures you invest before you spend. SIPs make saving a habit rather than an afterthought.
Take it further with Step-Up SIP
Increase your SIP annually and reach your goals up to 30% faster.
Try Step-Up SIP Calculator