SIP Calculator India 2026
Free online SIP Calculator to calculate mutual fund returns with AMFI-compliant formula. Get year-wise SIP maturity value, wealth gain & investment breakdown instantly.
Investment Details
Enter your SIP parameters
₹
₹500₹1,00,00,000
% p.a.
1 % p.a.30 % p.a.
Years
1 Years40 Years
Your SIP Returns
+93.6%Maturity Value
₹23.23 Lakh
Total Investment
₹12.00 Lakh
Wealth Gain
+₹11.23 Lakh
Investment vs Returns₹23.23 Lakh
InvestmentReturns
Investment Insights
- Your money grows 1.9x in 10 years
- Returns of ₹11.23 Lakh on investment
- Monthly discipline of ₹10,000 builds wealth
Year-wise Investment Growth
10 years projection
| Year | Invested | Returns | Total Value |
|---|---|---|---|
| Year 1 | ₹1,20,000 | +₹8,093 | ₹1,28,093 |
| Year 2 | ₹2,40,000 | +₹32,432 | ₹2,72,432 |
| Year 3 | ₹3,60,000 | +₹75,076 | ₹4,35,076 |
| Year 4 | ₹4,80,000 | +₹1,38,348 | ₹6,18,348 |
| Year 5 | ₹6,00,000 | +₹2,24,864 | ₹8,24,864 |
Understanding SIP Investments
What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount at regular intervals (usually monthly). SIP is one of the most popular investment methods in India because it:
- Allows you to start with as little as ₹500 per month
- Benefits from rupee cost averaging – you buy more units when prices are low
- Harnesses the power of compounding for long-term wealth creation
- Instills financial discipline through automated monthly investments
- Doesn't require timing the market
How is SIP Return Calculated?
Our SIP calculator uses the standard compound interest formula that's used by AMFI (Association of Mutual Funds in India) and all mutual fund companies:
M = P × [(1 + r)^n - 1] / r × (1 + r)
Where:
- M = Maturity amount (future value)
- P = Monthly SIP amount
- r = Monthly rate of return (annual return ÷ 12 ÷ 100)
- n = Total number of SIP installments (years × 12)
SIP vs Lump Sum Investment
| Factor | SIP | Lump Sum |
|---|---|---|
| Best for | Regular income earners | Those with large savings |
| Market timing | Not required | Important |
| Risk | Lower (averaged out) | Higher |
| Discipline | Automatic | Manual |
Tips for SIP Investors
- Start early – Even small amounts grow significantly over 15-20 years
- Increase SIP annually – Use step-up SIP to match income growth
- Stay invested – Don't stop SIP during market downturns
- Diversify – Spread investments across equity, debt, and hybrid funds
- Review periodically – Check fund performance annually
Frequently Asked Questions about SIP
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It allows you to invest small amounts (as low as ₹500/month) and benefit from rupee cost averaging and the power of compounding over time.
SIP returns are calculated using the compound interest formula: M = P × {[(1 + r)^n - 1] / r} × (1 + r), where P is monthly investment, r is monthly return rate, and n is total months. Our calculator uses this exact formula used by AMFI and all mutual fund companies in India.
You can start SIP with as low as ₹500 per month. However, financial advisors recommend investing at least 15-20% of your monthly income in SIP. For beginners, starting with ₹5,000-₹10,000 per month is recommended.
Historically, equity mutual funds in India have delivered 12-15% average annual returns over 10+ year periods. Debt funds typically return 6-8%. For conservative estimates, use 10-12% for equity SIPs and 6-7% for debt SIPs.
SIP is generally better for most investors because it reduces market timing risk through rupee cost averaging, instills financial discipline, and is easier on your monthly budget. Lump sum can be better if you have a large amount and the market is at a low point.
Yes, most mutual fund AMCs allow you to modify your SIP amount. You can increase (step-up SIP), decrease, or pause your SIP anytime. Many platforms like Groww, Zerodha, and Paytm Money make this very easy.