SIP Returns Calculator
See how much your monthly SIP grows over time — with compounding chart, inflation-adjusted view, and benchmark comparison.
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How this calculator works
SIP (Systematic Investment Plan) lets you invest a fixed amount every month in mutual funds. The power lies in rupee-cost averaging — you buy more units when markets are low and fewer when high — combined with compounding that grows your corpus exponentially over time.
FV = P × [(1 + r)ⁿ − 1] / r × (1 + r) | where r = monthly rate, n = number of months
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Time beats amount
A ₹5,000 SIP for 20 years at 12% grows more than a ₹10,000 SIP for 10 years. Start early, even small.
Step-up your SIP
Increase SIP by 10% every year (Step-up SIP). Your corpus can 2× compared to a flat SIP at the same rate.
12% is realistic
Large-cap equity funds have historically returned 11–13% CAGR over long periods. Use 10–12% for conservative planning.
Frequently Asked Questions
Historically, large-cap equity mutual funds in India have delivered 11–13% CAGR over 10+ year periods. For planning, use 10–12% for equity SIPs and 6–8% for debt SIPs. Past returns don't guarantee future performance.
A ₹5,000/month SIP at 12% annual return over 15 years grows to approximately ₹25.2 lakhs. You invest ₹9 lakhs and earn ₹16.2 lakhs in gains — a 2.8× wealth multiplier.
Step-up SIP increases your monthly investment by a fixed % each year. A 10% annual step-up on a ₹5,000 SIP can nearly double your final corpus compared to a flat SIP, because the increases align with typical salary hikes.
Most mutual funds in India allow SIPs starting from ₹100–500 per month. ELSS funds (for 80C) typically require ₹500 minimum. There is no maximum limit on SIP investments.