Calculate your SIP maturity value, total returns, and year-by-year growth. Free SIP returns calculator for Indian mutual fund investors.
HOW IT WORKS
The fixed amount you invest every month into a mutual fund or index fund.
Choose an annual return rate (12% for equity MFs historically) and investment period in years.
Get your maturity value, total invested, and wealth gained — with a year-by-year bar chart of corpus growth.
FAQ
For equity mutual funds, 10-12% p.a. is a reasonable historical average for long-term planning (10+ years). For debt funds, use 6-7%. For ELSS funds, 10-12%. For index funds tracking Nifty 50, 11-13% has been the historical 10-20 year average. Always use conservative estimates for planning.
Neither is universally better. SIP benefits from rupee-cost averaging — you buy more units when markets are low. Lumpsum is better if you invest exactly at market bottoms. For most retail investors without market timing skill, SIP reduces risk and removes the need to time the market.
Missing one SIP is not catastrophic — you just miss that month's investment. However, consistent SIP without gaps is what creates wealth. Even skipping 2-3 months per year over 15 years can cost 8-10% of final corpus due to missed compounding at key growth points.
Most mutual funds allow SIP from ₹100 to ₹500 per month. Some ELSS funds start at ₹500/month. Popular platforms like Zerodha Coin, Groww, and Paytm Money allow SIPs from ₹100. Starting small and increasing yearly is better than waiting to have a large amount.
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