Estimate your Systematic Investment Plan (SIP) returns with our accurate, India-specific calculator
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12%
10 yrs
₹0
Total Invested
₹0
Est. Returns
₹0
Total Value
⚠️ These are estimated returns. Actual mutual fund returns vary based on market conditions. Past performance is not indicative of future results. Please consult a SEBI-registered financial advisor before investing.
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What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator is a financial tool that helps you estimate the future value of your regular mutual fund investments. When you invest a fixed amount every month through SIP, your money benefits from the power of rupee cost averaging and compound interest — two of the most powerful forces in personal finance.
DesiTool's SIP Calculator uses the industry-standard formula used by AMCs (Asset Management Companies) and financial planners across India to give you an accurate projection of your wealth over time.
The SIP Formula Explained
The future value of your SIP is calculated using this formula:
FV = P × [(1 + r)^n – 1] / r × (1 + r) Where: P = monthly amount · r = monthly rate · n = total months
For example, if you invest ₹5,000/month for 10 years at 12% annual return, your total investment of ₹6 lakhs grows to approximately ₹11.6 lakhs — nearly doubling your money!
How to Use This SIP Calculator
1
Enter Monthly Investment: Type the amount you plan to invest every month. Even ₹500/month can create significant wealth over 20+ years.
2
Set Expected Return Rate: Drag the slider to your expected annual return. Equity large-cap funds have historically returned 10–14% annually in India over long periods.
3
Choose Investment Period: Set the number of years you plan to stay invested. Longer periods dramatically increase your returns due to compounding.
4
Click Calculate: Instantly see your total investment, estimated returns, and final corpus value.
SIP vs Lump Sum — Which is Better?
Both SIP and lump sum investments have their advantages. SIP is better when you have a regular income and want to invest discipline — it removes the need to "time the market." Lump sum is better when markets are at a low and you have a large amount available. For most salaried Indians, SIP is the recommended approach because it builds a habit of saving and smooths out market volatility.
SIP Return Expectations by Fund Type (Historical)
Large Cap Equity
10–13%
Risk: Low-Medium
Mid Cap Equity
12–16%
Risk: Medium-High
Small Cap Equity
14–18%
Risk: High
Debt / Liquid
6–8%
Risk: Low
ELSS (Tax Saving)
11–14%
Risk: Medium
Index Funds (Nifty50)
10–12%
Risk: Low-Medium
*Historical returns. Past performance does not guarantee future results.
Frequently Asked Questions
Yes, SIP is one of the safest ways to start investing for beginners. By investing small, fixed amounts regularly, you avoid the risk of investing a large sum at the wrong time. SEBI-regulated mutual funds in India have strong investor protection mechanisms in place.
Most mutual funds in India allow you to start a SIP with as little as ₹100 to ₹500 per month. Platforms like Groww, Zerodha Coin, and Paytm Money let you start with ₹100 SIPs in many funds.
Yes, you can stop, pause, or modify your SIP at any time without any penalty. However, for tax-saving ELSS funds, there is a mandatory 3-year lock-in period per installment.
Our calculator uses the standard SIP formula and provides a good estimate. However, actual returns depend on market performance, fund selection, and expense ratio. Consider the result as a planning tool, not a guarantee.
SIP in ELSS (Equity Linked Saving Scheme) funds qualifies for deduction under Section 80C up to ₹1.5 lakh per year. Long-term capital gains (LTCG) above ₹1 lakh from equity mutual funds are taxed at 10% under current Indian tax laws.