Investments
SIP Returns Calculator
See how your monthly SIP investment grows with compounding. Visualise year-by-year wealth accumulation.
Maturity Value
₹50,45,760
Total Invested
₹18.00 L
Est. Returns
₹32.46 L
Return Ratio
180%
Monthly SIP
₹10,000
Wealth growth over 15 years
Frequently asked questions
What is SIP and how does it work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Each instalment buys units at the current NAV. Over time, you accumulate more units and benefit from rupee cost averaging — buying more units when prices are low and fewer when prices are high.
Is 12% return realistic for an equity SIP?
The Nifty 50 index has delivered approximately 12–14% CAGR over long periods (10+ years). Individual fund returns vary. This calculator uses your expected rate as an estimate — actual returns depend on market conditions and the specific fund.
What is the minimum SIP amount?
Most mutual funds allow SIPs starting from ₹500 per month. Some funds allow ₹100. There is no maximum limit.
Can I stop or pause my SIP?
Yes — most platforms (Groww, Zerodha Coin, etc.) let you pause, modify, or stop a SIP anytime with no penalty. Your invested units remain in the fund and continue to grow.
What is a SIP and how does it work?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Each instalment purchases units of the fund at the prevailing Net Asset Value (NAV). Over time, you accumulate units at different prices, which averages out your cost of investment. This is called rupee cost averaging.
The real power of SIP comes from compounding. When your returns generate further returns over time, the growth becomes exponential. A monthly SIP of ₹10,000 at 12% annual returns for 20 years grows to approximately ₹99 lakh — from just ₹24 lakh invested. The remaining ₹75 lakh is pure compounding gain.
SIPs are ideal for salaried individuals because they align with monthly income, require no market timing, and build investing discipline automatically through auto-debit.
How to use this SIP calculator
Enter your monthly SIP amount — the fixed amount you plan to invest each month.
Set the expected annual return rate. Equity mutual funds have historically delivered 11–14% CAGR over long periods. Use 12% as a conservative estimate for diversified equity funds.
Choose your investment period. The longer the period, the more powerful the compounding effect.
The calculator instantly shows your maturity value, total invested amount, and estimated returns.
Want to compare SIP with a one-time investment? Try the Lumpsum Calculator or read our guide on SIP vs Lumpsum.