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SIP Calculator Online – Free Mutual Fund SIP Returns Calculator

Calculate your mutual fund SIP maturity value, total returns, and wealth gained instantly. Includes step-up SIP calculator, lumpsum calculator, and year-wise growth chart. Free, no signup, runs in your browser.

✅ Free & Accurate📈 Step-Up SIP💰 Lumpsum Mode📊 Growth Chart🏦 All Fund Categories
₹
₹500₹1L
%
0% (Fixed)50%
%
1%30%
Yrs
1 yr40 yrs
Maturity Value
₹11.62 L
in 10 years at 12% p.a.
Total Invested
₹6.00 L
Wealth Gained
₹5.62 L
● Invested 52%● Returns 48%
Growth Projection
Yr 1: ₹64,047
1y
Yr 2: ₹1.36 L
2y
Yr 3: ₹2.18 L
3y
Yr 4: ₹3.09 L
4y
Yr 5: ₹4.12 L
5y
Yr 6: ₹5.29 L
6y
Yr 7: ₹6.60 L
7y
Yr 8: ₹8.08 L
8y
Yr 9: ₹9.74 L
9y
Yr 10: ₹11.62 L
10y
Invested
Returns
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What is SIP and Why Every Indian Should Start One

SIP (Systematic Investment Plan) is the most effective way for salaried Indians to build long-term wealth. Instead of trying to time the market with a large lumpsum investment, SIP lets you invest a fixed amount — as low as ₹500 per month — automatically on a set date every month. The money is deducted from your account and invested in your chosen mutual fund at the current NAV.

The magic of SIP comes from two forces working together: rupee cost averaging and compounding. Rupee cost averaging means you automatically buy more units when markets are low and fewer when markets are high — reducing your average cost over time without any effort. Compounding means your returns also earn returns — creating exponential growth over long periods. A ₹5,000/month SIP for 20 years at 12% grows to ₹49.96 lakh — on just ₹12 lakh invested.

Use our EMI calculator alongside this SIP calculator to plan your finances — determine how much goes toward loan repayment and how much you can invest in SIP from your monthly income. The percentage calculator can help you figure out what percentage of your salary to invest.

How to Use the SIP Calculator — Step by Step

01
💵

Enter Monthly SIP

Set your monthly SIP amount using the slider. Even ₹500/month makes a significant difference over 20 years.

02
📈

Set Annual Step-up

Optionally set a % increase each year (recommended 10–15%). Step-up SIP dramatically boosts your final corpus.

03
🎯

Choose Expected Rate

Select from preset categories (Debt/Large-cap/Midcap/Smallcap) or enter a custom rate. Use 12% for a conservative large-cap estimate.

04
✅

See Results + Chart

Maturity value, wealth gained, and a year-wise growth chart appear instantly. Switch to Lumpsum mode to compare.

SIP Returns by Fund Category — ₹5,000/Month Investment

This table shows the estimated maturity value of a ₹5,000/month SIP across different fund categories at their historical average returns. Use these rates in the calculator above for accurate projections.

Fund CategoryAvg Return5 Years10 Years20 YearsRisk
Liquid Fund6.5%₹4.18L₹9.64L₹28.15LVery Low
Debt Fund8%₹4.40L₹11.00L₹36.80LLow
Large Cap (Nifty)12%₹4.89L₹13.96L₹60.01LModerate
Flexi Cap14%₹5.15L₹15.91L₹78.36LModerate
Mid Cap16%₹5.43L₹18.15L₹1.03CrHigh
Small Cap18%₹5.74L₹20.72L₹1.35CrVery High

* Returns shown are illustrative based on historical category averages. Actual mutual fund returns vary. Past performance is not indicative of future results.

The Power of Step-Up SIP — Why You Should Increase Every Year

A step-up SIP increases your monthly investment by a fixed percentage every year — aligning it with your salary increments. The difference in final corpus is dramatic. Here is the comparison for a ₹5,000/month SIP at 12% for 20 years:

SIP TypeTotal InvestedMaturity ValueWealth Gained
Fixed SIP ₹5,000/mo ₹12.00L₹49.96L₹37.96L
Step-up 5%/yr starting ₹5,000 ₹20.16L₹69.13L₹48.97L
Step-up 10%/yr starting ₹5,000 Recommended₹34.36L₹1.01Cr₹67.17L
Step-up 15%/yr starting ₹5,000 ₹59.99L₹1.64Cr₹1.04Cr
Key insight: A 10% annual step-up (matching a modest salary increment) turns a ₹49.96 lakh corpus into ₹1.01 crore — double the wealth — on the same starting SIP amount. Enable step-up in the calculator above to see your own projection.

SIP vs Lumpsum — Which is Better for You?

📅 Choose SIP if...

✓You have a regular monthly income
✓Markets are at high valuations
✓You are new to investing
✓You want disciplined automated investing
✓You cannot predict when markets will correct
✓You want to benefit from rupee cost averaging

💰 Choose Lumpsum if...

✓Markets have corrected 20–30% from peak
✓You received a bonus or inheritance
✓Your investment horizon is 10+ years
✓You are comfortable with short-term volatility
✓You want maximum compounding benefit
✓You received proceeds from property sale

How Much SIP Do You Need to Reach Your Financial Goals?

Assuming 12% annual returns from equity mutual funds:

GoalTarget AmountSIP for 10 YrsSIP for 15 YrsSIP for 20 Yrs
Emergency Fund₹5 Lakh₹1,789₹1,023₹668
Child Education₹25 Lakh₹8,944₹5,113₹3,341
Car Purchase₹10 Lakh₹3,578₹2,045₹1,336
Home Down Payment₹50 Lakh₹17,888₹10,226₹6,682
Retirement Corpus₹2 Crore₹71,553₹40,903₹26,729
₹1 Crore Target₹1 Crore₹35,776₹20,451₹13,365

Frequently Asked Questions — SIP Calculator

What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Every month, a fixed amount is auto-debited from your bank account and invested in your chosen mutual fund scheme. You get units at the current NAV (Net Asset Value). Over time, you accumulate units — more units when markets are low (rupee cost averaging) and fewer when markets are high. This removes the need to time the market.
How is SIP return calculated?
SIP returns are calculated using the compound interest formula for recurring deposits. The formula is: M = P × ((1 + r)^n – 1) / r × (1 + r). Where M = Maturity value, P = Monthly SIP amount, r = Monthly interest rate (annual rate ÷ 12 ÷ 100), n = Total number of months. The actual returns depend on the performance of the underlying mutual fund and will vary from the calculator's estimate.
What is a good SIP return rate to expect?
Historical average returns by category: Liquid/Debt funds: 6–8% p.a., Large-cap funds (Nifty 50): 11–13% p.a., Flexi-cap/Diversified: 12–15% p.a., Mid-cap funds: 14–18% p.a., Small-cap funds: 15–22% p.a. For long-term goals (10+ years), 12% is a conservative realistic assumption for large-cap equity funds. Past returns do not guarantee future performance.
What is a Step-up SIP?
Step-up SIP (also called Top-up SIP) automatically increases your monthly SIP amount by a fixed percentage every year. For example, a ₹5,000 SIP with 10% annual step-up becomes ₹5,500 in Year 2, ₹6,050 in Year 3, and so on. Step-up SIP is powerful because it aligns your investments with salary increments. A ₹5,000/month SIP with 10% annual step-up for 20 years at 12% returns gives ₹1.01 crore — vs just ₹49.96 lakh with a fixed SIP.
SIP vs Lumpsum — which is better?
SIP is better when: markets are volatile or at high valuations, you have a regular monthly income, you are new to investing, or you want disciplined investing. Lumpsum is better when: markets have corrected significantly (good entry point), you have a large amount available, or for short investment horizons. For most salaried individuals, SIP is the recommended approach due to rupee cost averaging and behavioral benefits of automated investing.
What is XIRR in mutual funds?
XIRR (Extended Internal Rate of Return) is the actual annualized return on your SIP investments, accounting for the timing of each investment. Since each SIP instalment is invested at a different time and earns returns for a different duration, simple CAGR is not accurate. XIRR gives the true per-annum return on your SIP. Our calculator shows the approximate annualized return based on your inputs.
Can I withdraw SIP investments before maturity?
Yes — most mutual funds (except ELSS) allow withdrawal at any time. For liquid funds: instant redemption. For equity funds: T+3 business days. ELSS (tax-saving) funds have a mandatory 3-year lock-in from each SIP instalment date. Early withdrawal from equity funds within 1 year attracts Short Term Capital Gains (STCG) tax at 15%. After 1 year, gains up to ₹1 lakh are exempt and above ₹1 lakh attract Long Term Capital Gains (LTCG) tax at 10%.

More SIP Calculators

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