SIP Return Calculator
Estimate your mutual fund SIP corpus with step-up, inflation & post-tax projections — free and instant.
Our free SIP Return Calculator helps Indian investors project the future value of their Systematic Investment Plan with realistic adjustments for annual step-up, inflation, LTCG tax, and expense ratio. Enter your monthly SIP amount, expected return, and tenure to see an interactive year-wise corpus chart alongside a full breakdown table. Use the goal-based mode to reverse-calculate the monthly SIP required for any target corpus, or compare SIP returns against FD and RD side by side.
Total corpus at maturity
₹11,61,695
₹6 L invested → ₹5.62 L estimated returns
₹5K / month
Fund category (sets return — indicative AMFI historical ranges)
Total invested
₹6,00,000
Est. returns
₹5,61,695
Maturity corpus
₹11,61,695
Value in today's ₹
₹6,48,685
adjusted for 6% inflation
Invested vs. returns
Year-by-year growth
SIP vs FD vs RD
Indicative fixed-income comparison at ₹5,000/month for 10 years. The RD invests the same monthly amount; the FD places a lump sum equal to your total contributions. It illustrates the historical equity premium — equity SIPs carry higher risk than guaranteed deposits.
SIP (equity)
₹11.62 L
at 12% expected return
RD (recurring deposit)
₹8.7 L
at 7% fixed
FD (lump sum today)
₹11.8 L
at 7% fixed
At these assumptions the SIP ends up ₹2.91 L ahead of the RD — that gap is the indicative equity premium for taking on market risk.
Year-wise breakdown
| Year | Monthly SIP | Invested | Returns | Corpus |
|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹5,000 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹5,000 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹5,000 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹5,000 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹5,000 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹5,000 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹5,000 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,000 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹5,000 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
Total corpus
₹11,61,695
Estimates are indicative and assume a constant annual return compounded monthly. Mutual fund investments are subject to market risks; actual returns will vary. The SIP vs FD vs RD figures, LTCG and inflation numbers are simplified illustrations, not tax or investment advice.
What a monthly SIP grows into
Estimated maturity corpus at a 12% annual return (flat SIP, before tax and inflation). Your own numbers may differ — use the calculator above to model them.
| Monthly SIP | 10 years | 15 years | 20 years | 30 years |
|---|---|---|---|---|
| ₹2K/mo | ₹4.65 L | ₹10.09 L | ₹19.98 L | ₹70.6 L |
| ₹5K/mo | ₹11.62 L | ₹25.23 L | ₹49.96 L | ₹1.76 Cr |
| ₹10K/mo | ₹23.23 L | ₹50.46 L | ₹99.91 L | ₹3.53 Cr |
| ₹25K/mo | ₹58.08 L | ₹1.26 Cr | ₹2.5 Cr | ₹8.82 Cr |
SIP vs FD vs RD — the equity premium
₹10,000/month for 15 years. The equity SIP assumes 12%; the indicative RD and FD assume a fixed 7%. The FD places a lump sum equal to the total contributions today. This illustrates the historical equity premium — equity carries higher risk.
SIP (equity, 12%)
₹50.46 L
RD (7%)
₹31.88 L
FD (7%)
₹49.66 L
SIP vs RD edge
+58%
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SIP return calculator guide
How a Systematic Investment Plan turns small monthly amounts into a corpus, the levers that change your return, how equity SIPs compare with FD and RD, and how to read every number this calculator gives you.
What is a SIP return?
A Systematic Investment Plan (SIP)invests a fixed amount into a mutual fund every month instead of a single lump sum. Each instalment buys units at that month's price, so you automatically buy more units when markets are low and fewer when they are high — this is rupee-cost averaging. Your SIP return is the gain your invested money earns over the tenure: total corpus minus the amount you actually put in.
Why compounding does the heavy lifting
Every month your returns earn their own returns. Early instalments compound for the full tenure, which is why a SIP started even a few years earlier can end up dramatically larger. In the year-by-year chart above, notice how the returns bar overtakes the invested bar in the later years — that crossover is compounding at work.
Picking a realistic return rate by fund category
The biggest mistake is guessing an over-optimistic return. The fund-category chips load indicative AMFI historical ranges so your projection starts from a realistic place:
Large Cap~12%
Stable blue-chip companies; lower volatility.
Mid Cap~15%
Growth-stage companies; higher swings.
Small Cap~18%
Highest potential and highest risk.
ELSS~13%
Tax-saving equity funds with a 3-year lock-in.
Index Fund~12%
Tracks the market at very low cost.
Debt Fund~7%
Bonds; closer to fixed-income returns.
These are long-run averages, not guarantees. Past performance does not predict future returns — model a conservative case alongside an optimistic one.
The four levers that change your corpus
Step-up
Raising your SIP each year (e.g. with your salary) invests more money earlier, so it compounds longer. The single biggest free upgrade to most plans.
Inflation
A future corpus is worth less in today's terms. The inflation toggle restates it in present-day rupees so you plan for real purchasing power.
LTCG tax
Equity gains above ₹1.25 lakh are taxed at 12.5% on redemption. The post-tax figure is closer to what actually lands in your bank account.
Expense ratio
The fund's annual fee quietly drags on returns. Over 20+ years, the gap between a direct plan (~0.5%) and a regular plan can be 15-20% of your corpus.
SIP vs FD vs RD — the equity premium
The comparison panel shows what the same money would grow to in guaranteed deposits. The RD invests the same monthly amount at a fixed rate; the FD places a lump sum equal to your total contributions today. Equity SIPs have historically outgrown both — that gap is the equity premium, the extra return investors earn for accepting market risk. FD and RD are guaranteed but slower; an equity SIP can fall in any given year. The figures are an indicative illustration and ignore TDS and quarterly rate revisions.
Working backwards from a goal
Switch to the Goaltab when you already know the target — say ₹1 crore for retirement or ₹50 lakh for a child's education — and want to know the monthly SIP required to get there. Adjust the return rate and tenure to find a contribution that fits your budget.
How to use this calculator
- Set your monthly SIP, then pick a fund category or set the expected return and tenure — results update instantly.
- Open Advanced options to layer on step-up, inflation, LTCG, and expense ratio.
- Check the SIP vs FD vs RD panel to see the equity premium, and the year-wise table to see when returns outpace contributions.
- Copy the share link or save the image/CSV to revisit or send to a family member or advisor.
Frequently Asked Questions
SIP return math, fund-category presets, SIP vs FD/RD, step-up, LTCG, inflation, and how sharing works.