Enter your monthly SIP amount
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps you estimate how much your regular monthly investment will grow over time. It uses the compound interest formula adjusted for monthly contributions — giving you a realistic picture of your wealth at any future date.
SIP calculators are used for goal-based planning — whether you're saving for a home down payment, children's education, or retirement corpus. Enter your monthly amount, duration, and expected return — the calculator shows your total corpus instantly.
For equity mutual funds, a 12% annual return is commonly used as a conservative long-term estimate based on historical Nifty 50 performance. For debt funds, 6–8% is more appropriate.
How is SIP Return Calculated?
Where FV = Future Value (corpus), P = Monthly SIP amount, r = Monthly interest rate (annual rate ÷ 12), n = Total number of months.
Example — ₹5,000/month for 10 years at 12%
r = 12% ÷ 12 = 1% per month = 0.01. n = 10 × 12 = 120 months. FV = 5000 × [((1.01)¹²⁰ − 1) / 0.01] × 1.01 = approximately ₹11.6 lakh.
Wealth Ratio
Wealth ratio = Total corpus ÷ Total invested. A ratio of 2× means your money doubled. At 12% for 15 years, wealth ratio is typically 2.5–3×. At 20 years it crosses 4×.
Example Calculation
Frequently Asked Questions
SIP returns use the future value of annuity formula: FV = P × [((1+r)ⁿ − 1) / r] × (1+r), where P is monthly investment, r is monthly rate (annual ÷ 12), and n is total months. This accounts for compounding on each monthly installment.
For equity mutual funds (large cap), 10–12% is a conservative long-term estimate based on Nifty 50 historical returns. Mid/small cap funds may yield 13–15% over long periods but with higher volatility. Debt funds typically return 6–8%.
For long-term goals (5+ years), equity SIPs have historically outperformed FDs significantly. FDs return 6–7% while equity SIPs have averaged 11–13% over 10+ year periods. However SIPs carry market risk — FDs are capital protected.
Wealth ratio = Total maturity corpus ÷ Total amount invested. A ratio of 3× means for every ₹1 you invested, you got ₹3 back. At 12% annual return, a 15-year SIP typically achieves 2.8× wealth ratio, and a 20-year SIP achieves 4.2×.
Yes — this is called a Step-Up SIP. For example, increasing your SIP by 10% every year dramatically improves your final corpus. A ₹5,000 SIP with 10% annual step-up for 20 years produces nearly double the corpus of a flat ₹5,000 SIP.
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Disclaimer: Results are for informational and educational purposes only — not financial, tax, or legal advice. Tax slabs, rates (EPF, PPF, home loan), and rules shown are based on data available in 2025 and may change. Always verify with a qualified professional or official government sources before making financial decisions.