SIP Calculator — Mutual Fund SIP Returns
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Use our SIP Calculator to find the future value of your investment given your monthly SIP, expected annual return and tenure.
Formula
FV = P × [((1+i)^n − 1) / i] × (1+i) where P = monthly investment, i = monthly rate of return (annual / 12 / 100), n = total months.
Example
₹10,000/month SIP for 10 years @ 12% p.a.: • Total invested = ₹12,00,000 • Future value ≈ ₹23,23,391 • Wealth gain ≈ ₹11,23,391
Frequently Asked Questions
What return % should I assume for SIP?
Equity mutual fund SIPs in India have historically delivered 10%-14% CAGR over 10+ year periods. Debt funds 6%-8%. Use 12% as a reasonable equity assumption.
Is SIP better than lumpsum?
SIP averages your cost (rupee-cost averaging) and reduces timing risk. Lumpsum can give higher returns if markets only go up but carries more risk.
Is SIP tax-free?
No. Equity mutual fund LTCG > ₹1.25 lakh/year is taxed at 12.5%. Debt fund gains are taxed at slab rate.
Related calculators
- SWP Calculator — Systematic Withdrawal Plan
- Lumpsum Investment Calculator
- Goal-Based Investment Calculator
- Income Tax Calculator FY 2025-26 — Old vs New Regime
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