SIP Calculator
Calculate SIP returns for any monthly investment amount. See wealth gained, inflation-adjusted value and how long to reach your target corpus. ELSS, equity and debt fund SIP.
SIP Calculator
Results update instantly
Small CAPs: 15-18% · Nifty50 index: 12% · Debt funds: 7-8%
Expected annual return — use 12% for equity, 7% for debt
Estimates based on constant rate assumption. Actual returns may vary.
| Year | Invested | Returns | Total Value |
|---|
A Rs 5,000/month SIP at 12% for 20 years grows to Rs 49.9 lakh — but you only invested Rs 12 lakh. The remaining Rs 37.9 lakh is pure compounding. This is why starting a SIP at 25 vs 35 literally doubles your retirement corpus.
What is a SIP Calculator?
A SIP calculator helps you estimate the future value of your systematic investments in mutual funds. SIP — Systematic Investment Plan — is the most popular way for Indian investors to build long-term wealth. Instead of trying to time the market, you invest a fixed amount every month and benefit from rupee cost averaging and the power of compounding.
Enter your monthly SIP amount, expected annual return, and investment duration. The calculator instantly shows your total investment, estimated returns, and final corpus — along with a year-wise chart showing how your wealth compounds over time.
SIP returns formula
SIP returns are calculated using the future value of an annuity formula:
P = Monthly SIP amount r = Monthly rate (annual rate / 12 / 100) n = Number of months
Example: Rs 5,000/month at 12% for 10 years = Rs 11.6 lakh invested = Rs 35.1 lakh maturity
How to use this SIP calculator
Select your monthly investment amount using the preset chips or enter a custom amount. Set the expected annual return — use 12% for diversified equity funds, 15-18% for mid/small cap, 7-8% for debt funds. Choose your investment tenure in years. The wealth gained chart shows year-by-year growth, revealing the dramatic acceleration in the final years as compounding kicks in.
Key factors that determine SIP returns
Time horizon: This is the single most powerful variable. Rs 5,000/month at 12% for 10 years gives Rs 11.6L corpus. The same SIP for 20 years gives Rs 49.9L — more than 4x for only 2x the time. The last few years create disproportionate returns because a larger base is compounding.
Return rate: A 2% difference compounds massively over time. Rs 10,000/month for 20 years at 12% = Rs 99.9L. At 14% = Rs 1.32 Cr. That 2% difference creates Rs 32 lakh extra. This is why choosing a consistently performing fund matters.
Amount: Directly proportional. Double the SIP, double the corpus. The compounding multiplier stays the same — so the most accessible lever is simply starting with whatever you can and increasing it each year.
SIP vs lumpsum — which is better?
For most retail investors, SIP is better than lumpsum because it removes the impossible task of timing the market. During market downturns, your SIP buys more units at lower NAV (rupee cost averaging). The emotional discipline of auto-debit SIP also prevents panic-selling during corrections — which destroys more wealth than wrong fund selection.
ThriftRupee tips for SIP investors
Tip 1: Start early, increase annually. A 25-year-old investing Rs 5,000/month until 60 creates Rs 3.5 Cr at 12%. A 35-year-old doing the same creates only Rs 1.0 Cr. Starting 10 years earlier creates 3.5x the corpus. Set up a 10% annual step-up to match your salary growth.
Tip 2: Do not stop SIP during market downturns. Stopping SIP when markets fall is the worst possible decision — you miss buying cheap units. Markets have always recovered in India. Every major correction in Nifty 50 history has been followed by new highs within 2-3 years.
Tip 3: Use index funds for the core. Over 15+ year periods, most actively managed large-cap funds underperform the Nifty 50 index after fees. Keep 60-70% in a Nifty 50 or Nifty 500 index fund and use the rest for mid/small cap actively managed funds for satellite exposure.