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SIP Calculator India 2026 – Mutual Fund Returns & CAGR
Use this free SIP Calculator in India to forecast your mutual fund wealth, see the power of compounding over time, and plan SIP investments from ₹500/month.
Mutual fund SIP wealth accumulation
Total Corpus
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Total Invested
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Total Gains
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Maturity Corpus
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📈 SIP Growth Chart
❓ FAQs
How does this calculator work?▼
Enter the required values and click Calculate. Results appear instantly using standard financial formulas.
Is this free?▼
Yes, completely free. No login or signup required.
Are calculations accurate?▼
Yes, industry-standard formulas. For large decisions, consult a financial advisor.
📊 What is the SIP Calculator and How Does It Work?
The SIP calculator uses the compound interest formula for recurring investments. Each monthly instalment earns returns on both principal and accumulated interest — the classic power of compounding that builds wealth over time.
Formula
M = P × [{(1+r)^n – 1} / r] × (1+r) | P = monthly SIP, r = monthly rate (annual÷12), n = total months🪓 Step-by-Step: How to Use This Calculator
- Enter your monthly SIP amount (e.g. ₹5,000)
- Set expected annual return rate (e.g. 12% for equity funds)
- Choose investment duration in years
- Click Calculate Returns to see your projected corpus
📌 Example Calculation
₹5,000/month for 10 years at 12%: invested ₹6,00,000 grows to ~₹11,64,000 — your money nearly doubles through compounding alone.
✅ Benefits of Using This Calculator
- Plan long-term wealth creation with precision
- Visualise the power of compounding over time
- Compare short vs long investment horizons
- Understand impact of different return rates
- Encourage disciplined monthly investing
- Completely free — no login required
⚙️ Key Factors That Affect Results
- Monthly amount — even small increases compound significantly
- Return rate — equity 10–12%, debt 6–8%, hybrid 8–10%
- Investment duration — longer means exponentially higher returns
- Step-up SIP — increasing annually boosts corpus dramatically
- Expense ratio — 0.1% vs 1.5% matters hugely over 20 years
❓ Frequently Asked Questions
What is SIP?▼
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It uses rupee-cost averaging and the power of compounding to build long-term wealth.
What return rate should I use?▼
Use 10–12% for equity mutual funds long-term, 6–8% for debt funds, 8–10% for hybrid. These are historical averages — actual returns vary by fund.
How accurate is this SIP calculator?▼
Very accurate for planning using the standard SIP formula. Actual returns depend on fund performance and market conditions.
Can SIP be used for short-term goals?▼
SIP works best for 5+ year horizons. For 1–3 year goals, use liquid or debt funds with conservative return assumptions.
Is SIP better than lump sum?▼
SIP reduces timing risk through rupee-cost averaging. More practical for salaried investors. Lump sum can outperform if invested at market lows.