Calculate SIP returns online for free. Estimate Systematic Investment Plan future value. See projected returns, gains, and investment breakdown. Plan your mutual fund investments.
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A Systematic Investment Plan (SIP) is a method of investing a fixed amount into a mutual fund at regular intervals (usually monthly).
The SIP calculator uses compound interest with monthly compounding. Returns are not guaranteed — the rate is an assumption.
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount at regular intervals — typically monthly — rather than investing a lump sum all at once.
Think of it like a recurring deposit, but instead of a fixed bank interest rate, your money goes into a mutual fund that invests in equities, debt, or a mix. The returns aren't guaranteed, but historically, equity mutual funds have significantly outperformed standard savings accounts over long periods.
SIPs are popular in India and South/Southeast Asia, where mutual fund investing has been made accessible through simple monthly auto-debit systems. But the underlying concept applies to any regular investment in any market globally.
The math behind SIP growth involves compound interest on periodic contributions. Unlike a one-time investment, each monthly instalment has a different time horizon — the first month's payment compounds for the entire duration, the last month's payment barely compounds at all.
The formula for SIP return:
FV = P × [((1 + r)^n − 1) ÷ r] × (1 + r)
Where:
FV = Future Value
P = Monthly investment amount
r = Monthly rate of return (annual rate ÷ 12)
n = Number of months
Example:
Monthly rate r = 12% ÷ 12 = 1% = 0.01
FV = 5000 × [((1.01)^120 − 1) ÷ 0.01] × 1.01
FV ≈ ₹11,61,695
Total invested: ₹5,000 × 120 = ₹6,00,000 Returns generated: ₹5,61,695 Wealth created through compounding: ₹5.6 lakh on a ₹6 lakh investment
Expected return rates for different fund categories (based on long-term Indian market historical data):
| Fund Type | Expected Annual Return | Risk Level |
|---|---|---|
| Liquid / Money Market | 5–6% | Very Low |
| Debt / Fixed Income | 7–9% | Low |
| Hybrid / Balanced | 10–12% | Medium |
| Large Cap Equity | 12–14% | Medium-High |
| Mid Cap Equity | 15–18% | High |
| Small Cap Equity | 18–22% | Very High |
| Index Fund (Nifty 50) | 12–14% | Medium |
Important: These are historical averages, not guarantees. Markets go through periods of poor performance. The longer your investment horizon, the more these averages tend to hold. For goals shorter than 5 years, equity funds carry significant risk of underperformance.
For calculation purposes, most financial planners use **12% for equi...
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Calculate the future value of your Systematic Investment Plan returns.
Total Value
₹11,61,695