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SIP Return Calculator

Find out how much wealth your monthly SIP can create

Monthly SIP Amount (₹)

Fund Type

Expected Annual Return (%)

Investment Period (Years)

SIP Calculator — Calculate Your Monthly SIP Returns

SIP (Systematic Investment Plan) is today India's most popular investment method. Investing a fixed amount every month in a mutual fund — that's what SIP is. Whether your salary is ₹20,000 or ₹2 lakh, SIP helps you become a disciplined investor. Our SIP calculator is built for Indian investors so you can easily calculate the future value of your monthly SIP.

How to Use the SIP Calculator?

This SIP return calculator is very simple. Just enter your monthly SIP amount, select the fund type (equity, debt, or hybrid), set the expected annual return, and choose the investment period. The calculator will instantly show you the total investment, estimated returns, and the final maturity value.

What Returns Can You Expect from SIP?

SIP returns depend on the fund type. Equity mutual funds have historically delivered 12–15% annual returns over the long term (10+ years). Debt funds average around 7–9% and hybrid funds around 10–12%. Remember — past returns are not a guarantee of future returns. The power of compounding works in SIP — the longer you stay invested, the greater the benefit. For example, if you invest just ₹5,000/month at 12% return for 20 years, your total investment is ₹12 lakh but the value grows to approximately ₹49 lakh!

Benefits of SIP

SIP offers three key advantages: First — Rupee Cost Averaging, meaning whether the market is up or down, regular investing lowers your average cost over time. Second — Discipline, SIP builds a habit of investing every month. Third — Power of Compounding, your returns earn returns too, which grow exponentially over time. Even a small amount can build a large corpus over a long period.

Frequently Asked Questions (FAQs)

What is the minimum amount to start a SIP?

Many mutual funds today let you start a SIP with just ₹100 or ₹500. Earlier the minimum was ₹500, but several AMCs have now launched ₹100 SIPs. For beginners, starting with ₹1,000–₹5,000 is a comfortable range.

SIP vs Lumpsum — which is better?

Both have their place. SIP is best for those who want to invest from their monthly salary and avoid the risk of market timing. Lumpsum is better when you have a large amount available and the market is at reasonable levels. For most salaried individuals, SIP is the preferred option.

Is there risk in SIP?

Yes, SIP investments are market-linked, so there is short-term risk. However, if you invest for 7–10 years or more, the historical chance of losses reduces significantly. Rupee cost averaging in SIP naturally lowers risk over time.

What is the best SIP amount for beginners?

If you are just starting out, aim to invest 10–20% of your monthly income in SIP. For example, if your salary is ₹30,000, begin with ₹3,000–₹5,000 and step up each year. The most important thing — start early; you can always increase the amount later.