SIP Calculator — Mutual Fund Investment Returns
A SIP (Systematic Investment Plan) means investing a fixed amount every month into mutual funds, letting compounding work over years. This calculator shows what your monthly SIP could grow to — including an optional annual step-up (increasing your contribution each year) — and splits the result into what you invested versus what growth added.
Returns are estimates assuming a constant annual rate; real mutual-fund returns vary year to year.
How to use this tool
- Enter how much you'll invest each month.
- Set an expected annual return (equity mutual funds are often modelled at 10–12%, but nothing is guaranteed).
- Choose the number of years, and optionally an annual step-up if you'll raise your SIP as income grows.
- Press Calculate to see maturity value split into invested vs returns.
Frequently asked questions
How is SIP maturity calculated?
Each monthly contribution compounds from the month it's invested until the end. The formula is the future value of a series of monthly investments at your expected monthly rate. Because early contributions compound longest, staying invested for many years matters far more than the exact amount.
What return should I assume for a SIP?
It depends on the fund type. Equity funds have historically been modelled around 10–12% per year over long periods, debt funds lower. These are estimates, not promises — markets are volatile, and past performance never guarantees future returns.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly amount by a set percentage each year, usually to match salary growth. Even a 10% annual step-up can dramatically increase your final corpus, because you invest more during your higher-earning years. Try toggling it above to see the difference.
Is SIP better than a lumpsum investment?
They serve different situations. SIP spreads your entry over time (rupee-cost averaging), which suits regular savers and reduces timing risk. A lumpsum can outperform if invested at the right time but carries more timing risk. Many investors do both — compare with our Lumpsum Calculator.
Do SIP returns include tax?
No — this shows gross returns. Actual gains may be reduced by capital gains tax depending on your country and holding period (for example, long-term equity gains rules in India). Check your local tax treatment before planning around the final figure.