SIP Calculator — Mutual Fund Returns & Maturity
Estimate maturity value, total returns, and year-by-year growth for any monthly SIP. End-of-period future-value math, no signup.
SIP details
Maturity updates live as you type.
Amount you'll contribute every month via SIP.
Equity mutual funds in India have historically returned 10–14% CAGR over 10+ year horizons. Past returns don't guarantee future ones.
Estimated maturity value
₹11,61,695
Total invested
₹6,00,000
Returns earned
₹5,61,695
Maturity value
₹11,61,695
Year-by-year growth
Year-by-year table(click to expand)
| Year | Invested (cumulative) | Returns earned | Portfolio value |
|---|---|---|---|
| 1 | ₹60,000 | ₹3,413 | ₹63,413 |
| 2 | ₹1,20,000 | ₹14,867 | ₹1,34,867 |
| 3 | ₹1,80,000 | ₹35,384 | ₹2,15,384 |
| 4 | ₹2,40,000 | ₹66,113 | ₹3,06,113 |
| 5 | ₹3,00,000 | ₹1,08,348 | ₹4,08,348 |
| 6 | ₹3,60,000 | ₹1,63,550 | ₹5,23,550 |
| 7 | ₹4,20,000 | ₹2,33,361 | ₹6,53,361 |
| 8 | ₹4,80,000 | ₹3,19,636 | ₹7,99,636 |
| 9 | ₹5,40,000 | ₹4,24,463 | ₹9,64,463 |
| 10 | ₹6,00,000 | ₹5,50,193 | ₹11,50,193 |
Returns are illustrative; actual mutual-fund returns vary. Equity SIPs carry market risk — your actual maturity value depends on the fund, market cycle, expense ratio, and exit timing. This calculator assumes a constant compounded return for clarity.
How to use this calculator
- 1
Enter your monthly SIP amount
Type how much you plan to invest every month — most retail SIPs in India start at ₹500 and scale up. The default is ₹5,000.
- 2
Set the expected annual return
Use the slider (1–30%). 12% is a reasonable base case for diversified Indian equity funds; pick 8–10% for hybrid funds, 6–7% for debt funds.
- 3
Choose your tenure in years
SIPs reward long horizons. Try 10, 15, 20, and 30 years to see how compounding compresses the latter years dramatically.
- 4
Read the maturity value, returns, and growth chart
See your estimated corpus, total invested, returns earned, and a year-by-year bar chart showing how the returns component overtakes principal over time.
Frequently asked questions
How is the SIP maturity value calculated?
SIP future value uses the end-of-period annuity formula: FV = P × ((1+i)^n − 1) / i × (1+i), where P is the monthly SIP amount, i is the monthly rate (annual return ÷ 12 ÷ 100), and n is the total number of months. For a ₹5,000/month SIP at 12% over 10 years, n = 120 and i = 0.01, giving a maturity value of about ₹11.62 lakh against ₹6 lakh invested. The extra ₹5.6 lakh is your compounded return.
What return assumption should I use for an Indian equity SIP?
Indian equity mutual funds have historically delivered 10–14% CAGR over 10+ year horizons (Nifty 50 TRI ≈ 12% over the last 20 years). Use 12% as a reasonable base case for diversified equity funds, 8–10% for hybrid or balanced funds, and 6–7% for debt funds. Past returns are not guaranteed — actual outcomes depend on the fund, expense ratio, and your entry/exit timing.
Are SIP returns guaranteed?
No. SIPs in equity mutual funds are subject to market risk — your actual maturity value can be higher or lower than the calculator estimate, depending on how the underlying market performs over your investment horizon. SIPs reduce timing risk through rupee-cost averaging (you buy more units when NAV is low, fewer when high), but they do not eliminate market risk entirely. Only fixed deposits, PPF, and similar guaranteed instruments offer assured returns.
Are SIP returns taxable in India?
Yes. Equity mutual fund SIPs held over 12 months attract Long-Term Capital Gains (LTCG) tax at 12.5% on gains above ₹1.25 lakh per financial year (post-July 2024 rules). Equity SIPs sold within 12 months attract Short-Term Capital Gains (STCG) at 20%. Debt mutual fund SIPs are taxed at your slab rate regardless of holding period (post-April 2023 rules). The maturity value shown by this calculator is pre-tax.
How does increasing the SIP amount or tenure change the outcome?
Tenure compounds far more dramatically than SIP amount. A ₹5,000/month SIP at 12% grows to ~₹11.6 lakh in 10 years, ~₹50 lakh in 20 years, and ~₹1.76 crore in 30 years — the last decade alone roughly triples the corpus. A step-up SIP (where you increase the contribution by 10% every year) typically beats a flat SIP by 50–80% over a 20-year horizon, even with the same starting amount.
Is my data saved or shared?
Nothing leaves your browser. The calculation runs entirely client-side — no server call, no cookie, no analytics on your inputs. Refresh the page and the values reset to defaults.
Building a wealth-management or distributor CRM?
We build custom CRM and finance dashboards for mutual-fund distributors, RIAs, and wealth-tech teams across India. The same engine that powers this SIP calculator can plug into goal-planning flows, portfolio dashboards, or client-facing apps — multi-product, multi-tenant, audit-trailed.
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