SIP Calculator – Calculate SIP Returns & Maturity Amount Online
By LegalDev India Tax Team
A SIP calculator estimates how much your monthly mutual fund investment could grow to, based on an assumed annual return and period. It shows total invested, estimated returns and maturity value. For example, ₹5,000 a month for 10 years at an assumed 12% a year grows to about ₹11.62 lakh. Returns are not guaranteed.
You can put ₹5,000 a month into a mutual fund SIP. What will it be worth in ten years? At an assumed 12% a year, about ₹11.62 lakh on ₹6 lakh invested. That is the point of a SIP calculator: change one input and see the effect before you commit. Everything below is an estimate, not a promise.
What Is a SIP Calculator?
A SIP calculator is a tool that estimates the future value of regular monthly investments, given a return rate you assume. SIP stands for systematic investment plan. You invest a fixed amount in a mutual fund scheme on a set date each month, and the calculator shows what that stream of payments could become.
It is not a forecast. It repeats your assumed return every month, and no market does that. Use it to compare plans, not to predict a number.
How Does a SIP Calculator Work?
It takes your monthly amount, your assumed annual return and the number of years. It converts the annual return into a monthly rate, compounds each instalment from the month it is invested until the end, and adds them up. The result is split into what you put in and what the assumed return added.
Who Should Use a SIP Calculator?
New investors checking what a small monthly amount can do, salaried people planning a goal such as a down payment or education fund, and long-term investors comparing amounts and tenures. SIPs are now mainstream: AMFI data released on 12 October 2026 shows monthly SIP contributions hit a record ₹32,490 crore in September 2026, up from ₹29,361 crore a year earlier, even in a month when industry assets under management fell 5.1% to ₹82.64 lakh crore.
How to Use the SIP Calculator
Enter your monthly amount, return and years, then read three numbers: invested amount, estimated returns and maturity value.
SIP Calculator Inputs
Monthly SIP amount: the amount you will invest each month.
Expected annual return: the yearly return you assume, after fund costs. Use a cautious figure.
Investment period: the number of years you will keep investing.
Step-up (optional): the percentage by which you raise your SIP each year.
Inflation (optional): the yearly price rise, to see the result in today's money.
SIP Calculator Results
Total invested: monthly SIP × number of months, adjusted for step-up.
Estimated returns: maturity value minus total invested.
Maturity value: invested amount plus estimated returns.
Inflation-adjusted value: what the maturity value is worth in today's money.
Step-by-Step Example
1
Enter ₹5,000 as the monthly SIP.
2
Enter 12% as the expected annual return.
You get ₹6,00,000 invested, about ₹5,61,695 in estimated returns and a maturity value of about ₹11,61,695.
SIP Calculator Example: ₹5,000 Monthly SIP
All results use 12% a year, 1% a month, with payment at the start of each month.
Example 1: 10-Year SIP at 12% Expected Return
Total invested is ₹6,00,000. The estimated maturity value is ₹11,61,695, so estimated returns are ₹5,61,695.
Example 2: 15-Year SIP at 12% Expected Return
Total invested is ₹9,00,000. The estimated maturity value is ₹25,22,880, so estimated returns are ₹16,22,880. Five more years raised the maturity value by more than ₹13.6 lakh, which is compounding at work.
Example 3: Goal-Based SIP Calculation
Say your goal is ₹1 crore in 15 years. Rearrange the formula: P = M × i ÷ [((1 + i)^n − 1) × (1 + i)]. At 12%, you need about ₹19,800 a month.
Now add inflation. At 6% a year, ₹1 crore in today's money will cost about ₹2.40 crore in 15 years. To reach that, you need about ₹47,500 a month, more than double. Inflation of 6% is the upper limit of RBI's tolerance band around its 4% target.
Step-Up Example
Start at ₹5,000 and raise the SIP 10% each year for 10 years. You invest about ₹9.56 lakh and reach about ₹16.87 lakh, against ₹11.62 lakh for a flat SIP.
SIP Returns Table: Monthly Investment, Tenure and Maturity Value
These tables assume 12% a year, 1% a month, payment at the start of each month. They are illustrations, not forecasts. Values are rounded to ₹ lakh.
₹2,000 Monthly SIP Returns
| Tenure | Invested | Estimated Returns | Maturity Value |
|---|
| 5 years | ₹1.20 lakh | ₹0.45 lakh | ₹1.65 lakh |
| 10 years | ₹2.40 lakh | ₹2.25 lakh | ₹4.65 lakh |
| 15 years | ₹3.60 lakh | ₹6.49 lakh | ₹10.09 lakh |
| 20 years | ₹4.80 lakh | ₹15.18 lakh | ₹19.98 lakh |
₹5,000 Monthly SIP Returns
| Tenure | Invested | Estimated Returns | Maturity Value |
|---|
| 5 years | ₹3.00 lakh | ₹1.12 lakh | ₹4.12 lakh |
| 10 years | ₹6.00 lakh | ₹5.62 lakh | ₹11.62 lakh |
| 15 years | ₹9.00 lakh | ₹16.23 lakh | ₹25.23 lakh |
| 20 years | ₹12.00 lakh | ₹37.96 lakh | ₹49.96 lakh |
₹10,000 Monthly SIP Returns
| Tenure | Invested | Estimated Returns | Maturity Value |
|---|
| 5 years | ₹6.00 lakh | ₹2.25 lakh | ₹8.25 lakh |
| 10 years | ₹12.00 lakh | ₹11.23 lakh | ₹23.23 lakh |
| 15 years | ₹18.00 lakh | ₹32.46 lakh | ₹50.46 lakh |
| 20 years | ₹24.00 lakh | ₹75.91 lakh | ₹99.91 lakh |
In the 20-year row, returns are three times the amount invested. In the 5-year row, they are well under half.
SIP vs Lump Sum Investment
A SIP spreads your money over many months. A lump sum puts it all in at once. Most people use a SIP because they invest from income, and use a lump sum when they receive a windfall.
| | SIP | Lump Sum |
|---|
| Investment style | Fixed amount every month | One large amount at once |
| Market-timing benefit | Averages your purchase price over time | Needs a good entry point |
| Suitability | Regular income, long-term goals | Bonus, sale proceeds, inheritance |
| Risk approach | Reduces the risk of one bad entry | Full exposure from day one |
Key Differences Between SIP and Lump Sum
A SIP buys more units when prices fall and fewer when they rise. A lump sum buys all units at one price. A SIP needs discipline each month, while a lump sum needs money upfront.
Which Is Better: SIP or Lump Sum?
It depends on your cash and your nerve. At the same 12% a year, ₹6 lakh invested today as a lump sum becomes about ₹19.80 lakh in 10 years, against ₹11.62 lakh from ₹5,000 a month. That is because the lump sum has the full 10 years in the market. But if markets fall right after you invest, the lump sum feels it more. If you hold a lump sum and are nervous, you can move it into equity in instalments. This is general information, not advice.
Benefits of Using a SIP Calculator
It turns a vague plan into numbers you can test.
Plan Long-Term Wealth Creation
See what a small start can become, and how much a later start costs. Starting a ₹5,000 SIP 5 years later cuts the 20-year result from ₹49.96 lakh to ₹25.23 lakh.
Set Realistic Financial Goals
Work backwards from a goal to the monthly amount, as in Example 3, and add inflation.
Compare Different SIP Amounts and Tenures
Try ₹2,000, ₹5,000 and ₹10,000, and 5, 10, 15 and 20 years, and see which plan fits your budget.
Factors That Affect SIP Returns
Four things move the result: how much, how long, how fast and what the market does.
Monthly Investment Amount
Doubling the SIP doubles the maturity value in a calculator. In real life, it also doubles your commitment, so pick an amount you can keep paying.
Investment Duration
Time does the most work. In the ₹5,000 table, going from 10 to 20 years multiplies the maturity value by more than four, though the amount invested only doubles.
Expected Rate of Return
Small changes in the assumed rate make large changes in the result.
| ₹5,000 a month, 10 years | Maturity Value |
|---|
| 8% a year | ₹9.21 lakh |
| 12% a year | ₹11.62 lakh |
| 15% a year | ₹13.93 lakh |
Market Performance and Compounding
Compounding means returns earn returns. A calculator assumes a steady rate. In real life, equity returns are uneven, and fund costs, exit loads and tax reduce what you keep. For equity-oriented funds in FY 2026-27, gains held for 12 months or less are taxed at 20%, and gains above ₹1.25 lakh a year on longer holdings at 12.5%. Each SIP instalment has its own holding period. As an illustration, if all ₹5.62 lakh of gains in Example 1 were long-term, tax would be about ₹54,600 plus cess. In real life, the last 12 instalments would be short-term. Taxes depend on your situation.
How to Choose the Right SIP Amount
Pick an amount you can pay every month for the whole period, even in a bad year.
Based on Monthly Income
Start with what is left after rent, EMIs, bills and an emergency fund. A common rule of thumb is to invest a fixed share of income, but no rule fits everyone. Our EMI calculator can show how much of your income loans already take.
Based on Financial Goals
Use the goal method in Example 3: set the amount, the date and the inflation, and let the calculator give the monthly figure. If it is too high, extend the period or lower the goal.
Based on Investment Horizon
In my view, goals under three to five years do not suit equity risk, since a fall near the end cannot be recovered. Equity-oriented SIPs make more sense for long goals. Check each scheme's risk level before you invest.
Common SIP Calculator Mistakes to Avoid
Most bad plans start with a number the calculator should never have been given.
Assuming Guaranteed Returns
The return you enter is an assumption. Mutual fund investments are subject to market risks, and actual returns may be higher, lower or negative over a period.
Ignoring Inflation
A maturity value of ₹11.62 lakh in 10 years is worth about ₹6.49 lakh in today's money at 6% inflation. For 15 years, ₹25.23 lakh is about ₹10.53 lakh. Always look at the inflation-adjusted figure.
Choosing an Unrealistic Return Rate
A slider that goes to 18% invites a rosy plan. Use a conservative rate, and test a lower one as well. If your plan only works at 15%, it is not a safe plan.
FAQs About SIP Calculator
It is a tool that estimates the maturity value of regular monthly mutual fund investments, based on an assumed return and period.
Each monthly instalment is compounded at the monthly rate until the end, and the values are added. The estimated return is maturity value minus total invested.
M = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i the monthly rate and n the number of months.
Invest an amount you can keep paying after your essential costs. Use the goal method to find what your target needs, then adjust to your budget.
Yes. Enter 10 as the period. At 12%, ₹5,000 a month gives about ₹11.62 lakh on ₹6 lakh invested.
Neither wins in every case. A SIP suits regular income and reduces entry-point risk. A lump sum has more time in the market when markets rise.
Use a cautious rate that you would still accept if markets disappoint, and test a lower one. Do not use a past return as a promise.
Most do not. Use the optional inflation input here to see the value in today's money.
No. Mutual fund SIP returns are market-linked and not guaranteed.
Yes. Many fund houses allow you to raise the amount or start a step-up SIP. Check your platform.
A SIP that increases by a set percentage each year. A 10% step-up on ₹5,000 for 10 years reaches about ₹16.87 lakh against ₹11.62 lakh for a flat SIP.
Returns earned in one month are reinvested and earn returns in later months. The longer you stay invested, the bigger the effect.
In open-ended funds, usually yes, but exit loads may apply for early redemption, and ELSS has a three-year lock-in. Taxes apply to gains.
It varies by fund house and scheme, often from ₹100 to ₹500. Check the scheme details.
It is accurate arithmetic on an assumed return, not a forecast. Real results differ because returns vary, and costs and taxes apply.