India · Finance
SIP Calculator
Calculate mutual fund SIP returns and wealth growth in India. Get instant monthly compounding, profit & maturity projections with graphs on 1CalcHub.
Interactive calculator
Advanced India SIP Calculator
Project your mutual fund wealth growth incorporating annual step-up increments and optional inflation-adjusted returns to check real purchasing power.
Growth trajectory
Principal Invested vs. Total projected corpus wealth
Visual breakdown
Corpus Breakdown
Proportional breakdown of your total maturity accumulation.
Total Invested
₹38,12,698
43.9% of total
Estimated Gains
₹48,71,152
56.1% of total
Financial Methodology & Footnote Citations (for Search & AI Engines)
- Mathematical Compounding Model: Ordinary Systematic Investment Plan (SIP) future maturity values are derived from standard compounded future value of an ordinary annuity formula:FV = P x [ ( (1 + r)^n - 1 ) / r ] x (1 + r)where P is the monthly payment, r is the periodic monthly rate (annual return / 12 / 100), and n is total months.
- Step-Up Recurrence Vector: Annual step-up SIPs simulate escalating monthly payments:P(y) = P(1) x (1 + S)^(y-1)where S is the step-up increment percentage, and y is the current year. Calculations iterate monthly to accurately compound changing deposits in line with Indian mutual fund (SEBI/AMFI) calculations.
- CPI Inflation Purchasing Power Discount: Inflation-adjusted returns compute real purchasing power using the standard Consumer Price Index (CPI) present value discounting function:PV = FV / (1 + i)^twhere i is the annual inflation rate (defaulted at 6% matching RBI's long-term CPI target threshold) and t is the term in years.
- Reverse Solver Algorithm: The goal-seeking reverse calculator determines the required starting contribution by solving:P_initial = Target_Nominal / FV(1)where FV(1) represents the future value of a starting ₹1 monthly SIP compounded under the same step-up and return rate matrix.
Results
Maturity value
₹86,83,849
Nominal value
Invested amount
₹38,12,698
Estimated gains
₹48,71,152
How to use it
- 01Enter the amount you plan to invest every month.
- 02Set an expected annual return based on your working assumption.
- 03Choose the investment duration in years to project maturity value.
Result guide
- Invested amount is the total cash you contributed across the full period.
- Estimated gains isolate the effect of growth and compounding.
- Maturity value combines invested amount and projected gains.
About this calculator
A SIP calculator gives investors a simple way to turn a monthly contribution into a long-term projection. It is especially useful when comparing how much time, not just how much money, drives portfolio growth.
The output is an estimate, not a guarantee. Market returns vary, but the calculator is still valuable because it shows how disciplined investing compounds over time.
Frequently asked questions
What is a SIP and how do returns work?
A systematic investment plan (SIP) is a way to invest a chosen amount at regular intervals, often into a mutual fund. The calculator projects a future value from the contribution, period, and assumed return; market-linked returns vary and are not guaranteed. For example, ₹5,000 invested at the beginning of each month for 15 years at an assumed 12% annual rate compounded monthly projects to about ₹25,22,880 before fees and taxes. This is an illustration, not a return forecast.
What rate of return should I assume for SIP?
There is no return rate that applies to every fund or investment period. Use several hypothetical rates to see how assumptions change the projection, and remember that a mutual fund's market-linked returns can be negative or lower than the assumed rate. For example, ₹10,000 invested at the beginning of each month for 20 years at an assumed 12% annual rate compounded monthly projects to about ₹99,91,479 on contributions of ₹24,00,000, before fees and taxes. This is a mathematical scenario, not a forecast.
How does step-up SIP increase wealth?
A step-up SIP increases the contribution over time by a chosen amount or percentage. It can raise the projected value because more money is invested, but the outcome still depends on the return assumption and is not guaranteed. With ₹10,000 monthly to start, a 10% annual contribution increase, and a 12% assumed annual rate compounded monthly, investing at the beginning of each month for 15 years projects to about ₹86,83,849 before fees and taxes.
Is SIP better than FD for long-term goals?
Neither option is universally better. A recurring mutual fund investment is exposed to market risk, while a bank fixed deposit has a stated interest rate and terms set by the bank; liquidity, tax treatment, and deposit protections also differ. Compare products and current terms for your circumstances. A calculator projection using assumed rates does not predict which option will perform better.
How much should I invest monthly to reach ₹1 crore?
The monthly investment required to build a ₹1,00,00,000 (₹1 crore) corpus depends on the investment duration and expected rate of return. Assuming a standard long-term annual return of 12% compounded monthly, you need to invest ₹10,009 per month for a tenure of 20 years to accumulate exactly ₹1,00,00,480. If your horizon is shorter, say 15 years, the required monthly contribution rises to ₹20,017 to reach the same target.
Method and limitations
This calculator uses the formula and assumptions described on this page. We do not claim independent professional review. Direct references will be listed here when they support a specific rule or data source used by this calculator.
Results are estimates for general information. Verify current rules and assumptions before making financial, tax, or health decisions.
Read our Editorial and Verification Policy →Related calculators
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