SIP Calculator
High Returns100% Free & AuthoritativeCalculate expected future returns on your Systematic Investment Plan (SIP) in mutual funds or index funds over time.
Enter Values
Amount you deposit each month.
Historical equity mutual fund return assumption (typically 12% - 14%).
How many years you plan to continue investing.
Investing ₹5,000 every month for 15 years at an assumed 12.0% return results in a total investment of ₹9 Lakh. Your estimated maturity corpus is ₹25.23 Lakh, generating an estimated ₹16.23 Lakh in wealth creation.
Corpus Composition
Yearly Growth Trajectory
Understanding Your Result
The power of compounding is most visible in the later years of a SIP. While your monthly contribution remains constant, returns generated in previous years also earn returns, dramatically accelerating growth after 10–15 years.
Assumptions Applied
- Returns are compounded monthly assuming timely investments.
- Market returns are estimated at a steady annual rate (market volatility is not modeled).
- Inflation and taxes on capital gains (LTCG) are not subtracted.
Important Caveats
- Mutual fund investments are subject to market risks. Past returns are not guarantees of future performance.
- Equity mutual funds in India attract 12.5% LTCG tax on gains exceeding ₹1.25 Lakh per financial year.
Mathematical Formula Used
Future Value of an Annuity Due with monthly compounding.
Frequently Asked Questions
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