SIP Calculator
Mutual fund SIP projection - India focusedAuto-saved
Estimated maturity value₹85,97,871

₹10,000 monthly SIP for 15 years at 12.00% expected annual return with 10% annual step-up.

Total invested₹38,12,698
Estimated gains₹47,85,173
Inflation-adjusted value₹35,87,591
Wealth multiple2.26x

Investment vs Returns

Breakdown of your projected maturity value.

Invested ₹38,12,698 Gains ₹47,85,173Absolute return 125.51%

Year-by-Year Growth

Visual projection of investment value over time.

₹85,97,871₹64,48,403₹42,98,935₹21,49,468₹01y5y10y15y
Year 15
Maturity value₹85,97,871
Total invested₹38,12,698
Est. gains₹47,85,173
Monthly SIP₹37,975
Maturity value Total invested

SIP Projection Table

Annual values for invested amount, estimated value, and gains.

YearMonthly SIPInvestedValueGains
1₹10,000₹1,20,000₹1,26,825₹6,825
2₹11,000₹2,52,000₹2,82,417₹30,417
3₹12,100₹3,97,200₹4,71,693₹74,493
4₹13,310₹5,56,920₹7,00,320₹1,43,400
5₹14,641₹7,32,612₹9,74,822₹2,42,210
6₹16,105₹9,25,873₹13,02,707₹3,76,834
7₹17,716₹11,38,461₹16,92,601₹5,54,141
8₹19,487₹13,72,307₹21,54,411₹7,82,105
9₹21,436₹16,29,537₹26,99,505₹10,69,968
10₹23,579₹19,12,491₹33,40,917₹14,28,426
11₹25,937₹22,23,740₹40,93,580₹18,69,840
12₹28,531₹25,66,114₹49,74,596₹24,08,481
13₹31,384₹29,42,725₹60,03,530₹30,60,805
14₹34,523₹33,56,998₹72,02,762₹38,45,764
15₹37,975₹38,12,698₹85,97,871₹47,85,173

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SIP Calculator Online - Mutual Fund SIP & Investment Calculator

Updated May 14, 2026

Features

Calculate mutual fund SIP maturity value using monthly compounding
Estimate total invested amount, future value, and wealth gained
Model annual step-up SIP increases for growing income scenarios
Add a one-time lump sum investment along with monthly SIP
See inflation-adjusted future value in today’s purchasing power
View year-by-year investment growth as a chart
Review annual projection table with invested amount, value, and gains
Download the SIP projection table as CSV for Excel or Google Sheets
Copy a clean SIP investment summary for notes or advisor discussions
Auto-saves inputs locally in your browser for repeat planning
Designed for Indian rupee formatting and India-focused SIP searches
Runs locally with no sign-up, no upload, and no server-side storage

About this tool

Free SIP Calculator for Mutual Fund Investment Planning in India

This free SIP calculator helps Indian investors estimate how a monthly mutual fund SIP can grow over time. Enter your monthly SIP amount, expected annual return, investment duration, annual step-up percentage, optional lump sum, and inflation assumption. The calculator shows total invested amount, estimated maturity value, estimated gains, wealth multiple, and inflation-adjusted value in Indian rupees.

A SIP, or Systematic Investment Plan, is one of the most common ways to invest in Indian mutual funds. Instead of investing a large amount at once, you invest a fixed amount every month. This builds discipline, spreads investment across market cycles, and makes long-term wealth creation easier for salaried professionals, freelancers, business owners, and first-time investors. A mutual fund SIP calculator is useful because compounding is hard to estimate mentally, especially across 10, 15, 20, or 25 years.

Under the hood, the projection steps through the investment month by month rather than applying one formula once. Your annual expected return is divided by 12 to get a monthly rate, and each month the running value is multiplied by (1 + monthly rate) and then the current SIP installment is added, the way a fund's NAV growth and your fresh contribution combine in real life. Any lump sum compounds from month one alongside the installments. This is more accurate than annual-only compounding, since money invested in January has eleven more months to grow than money invested in December of the same year.

The tool also supports step-up SIP planning: at the end of each 12-month block, the monthly contribution is multiplied by (1 + step-up percentage), so a ₹10,000 SIP with a 10% step-up becomes ₹11,000 in year two and ₹12,100 in year three, compounding the contribution itself in addition to returns on it — closer to how salaried investors actually raise SIPs after yearly increments than assuming a flat contribution throughout. The inflation-adjusted value divides the final maturity value by (1 + inflation rate) raised to the number of years, estimating what that rupee amount is worth in today's purchasing power, a step people often skip when a large maturity number looks impressive in isolation. Wealth multiple (maturity value divided by amount invested) gives a quick sense of how many times your money grew. Everything runs locally in your browser, with inputs auto-saved to localStorage and nothing uploaded to a server.

How to Use This SIP Calculator

  1. 1
    Enter your monthly SIP amountAdd the amount you plan to invest every month. You can test common monthly SIP amounts like ₹5,000, ₹10,000, ₹25,000, or ₹50,000 using the quick presets. The calculator assumes the SIP is invested monthly over the selected duration.
  2. 2
    Choose an expected annual returnEnter the expected annual return for your mutual fund or portfolio. Equity mutual fund planning often uses 10% to 12% as a long-term assumption, but this is not guaranteed. Use lower numbers for conservative funds and higher numbers only if the risk profile justifies it.
  3. 3
    Set the investment durationChoose how long you plan to continue the SIP. Longer durations show the power of compounding more clearly. A 5-year SIP behaves very differently from a 15-year or 25-year SIP because later gains are driven by growth on earlier gains.
  4. 4
    Add an annual step-up percentageIf you plan to increase your SIP every year, enter a step-up percentage. A step-up SIP calculator is useful for salaried investors who increase investments after yearly increments or business owners who want to raise contributions gradually.
  5. 5
    Include lump sum if neededUse the lump sum field if you already have money invested or plan to invest an initial amount along with the monthly SIP. The calculator compounds this amount along with the monthly contributions.
  6. 6
    Check inflation-adjusted valueThe maturity value may look large after many years, but inflation reduces purchasing power. The inflation-adjusted value shows an estimate in today’s money, which is more useful for long-term goals like retirement, children’s education, or a home down payment. To see the effect on a specific amount, try the inflation calculator.
  7. 7
    Download or copy your projectionUse Copy summary to save the main SIP result, or download the year-by-year table as CSV. This makes it easy to compare different return assumptions, SIP amounts, and step-up strategies in a spreadsheet.

Common SIP Planning Use Cases

Plan a monthly mutual fund SIP
Estimate how a regular monthly investment can grow over 5, 10, 15, or 20 years. This is useful for first-time mutual fund investors who want a simple SIP return calculator before choosing an amount. For non-SIP recurring investing, see the monthly investment calculator.
Compare expected return assumptions
Test 10%, 12%, 15%, and 18% return assumptions to understand sensitivity. Mutual fund returns are not guaranteed, so comparing conservative and optimistic scenarios is better than relying on one number.
Model a step-up SIP strategy
Increase your SIP every year by 5%, 10%, or 15% to match salary growth. Step-up investing can significantly raise maturity value without forcing a very high starting SIP amount.
Create a projection for financial planning
Download the annual SIP projection table as CSV and use it in Excel or Google Sheets. This helps compare SIP plans with other goals like housing, emergency funds, or business savings — or weigh the same money against a guaranteed fixed deposit or a retirement plan.
Keep investment assumptions private
Your investment amount, return expectation, step-up plan, and inflation assumption stay in your browser. No login is required and financial inputs are not uploaded to a server.
Estimate long-term goal value
Use the inflation-adjusted value when planning goals far in the future. A maturity value after 20 years should be compared with its approximate purchasing power in today’s rupees.

Frequently Asked Questions

A SIP calculator estimates the future value of monthly investments using compound growth. It applies the expected annual return as a monthly return, adds each SIP installment, and compounds the accumulated value until the selected duration ends. The result shows total invested amount, estimated gains, and projected maturity value.

SIP stands for Systematic Investment Plan. It is a way to invest a fixed amount at regular intervals, usually monthly, into a mutual fund. SIPs help investors build wealth gradually, average purchase cost over market cycles, and stay disciplined without trying to time the market.

Use a conservative long-term expected return based on the asset class and your risk profile. Equity mutual funds are often tested at 10% to 12% for planning, but actual returns can be higher or lower. Debt funds, hybrid funds, and conservative portfolios should use lower expected returns. The calculator is for projection, not a guarantee.

A step-up SIP calculator increases the monthly SIP amount every year by a chosen percentage. For example, a ₹10,000 monthly SIP with a 10% annual step-up becomes ₹11,000 per month in year two. Step-up SIP planning is useful when salary or business income is expected to grow over time.

SIP and lump sum investment serve different purposes. SIP spreads investments across time and can reduce timing risk, while lump sum invests available capital immediately and may benefit more if markets rise after investment. This calculator supports both monthly SIP and a one-time lump sum so you can model combined strategies.

Yes. The calculator shows an inflation-adjusted value using your selected inflation assumption. This helps estimate the future maturity value in today’s purchasing power terms, which is useful for long-term goals like retirement, education, or wealth creation.

No. Mutual fund returns are market-linked and not guaranteed. The SIP calculator uses your expected return assumption to create a projection. Actual results can differ due to market performance, fund expenses, tax rules, exit loads, and changes in investment behavior.

No. The SIP calculator runs in your browser. Your monthly SIP amount, expected return, duration, step-up percentage, and investment assumptions are processed locally and are not uploaded to a server. The page may save the latest inputs in local browser storage for convenience.