A SIP is a fixed monthly investment into a mutual fund, and its superpower is that time does the heavy lifting: ₹5,000 a month is ₹6 lakh over ten years, but at a typical 12% annual return it becomes closer to ₹11.6 lakh. This SIP calculator computes that compounding precisely — enter the monthly amount, the expected annual return, and the years, and see the invested corpus versus the growth instantly.
It is genuinely useful before every plan you make: whether ₹10,000/month meets your child-co-education target in 14 years, whether a 5-year goal is realistic at 10%, or how much a step-up SIP adds when your salary grows each year. No login, no data leaves your device.
Last updated: November 2026.
| Duration | Amount invested | Corpus value | Growth |
|---|---|---|---|
| 5 years | ₹3.0 lakh | ₹4.12 lakh | +₹1.12 lakh |
| 10 years | ₹6.0 lakh | ₹11.61 lakh | +₹5.61 lakh |
| 15 years | ₹9.0 lakh | ₹25.23 lakh | +₹16.23 lakh |
| 20 years | ₹12.0 lakh | ₹49.96 lakh | +₹37.96 lakh |
| 25 years | ₹15.0 lakh | ₹94.88 lakh | +₹79.88 lakh |
It computes a fixed-return projection exactly, but market returns are not fixed — actual years can be 4% or 20%. Treat the output as a planning estimate, not a promise; run conservative (8-9%) and optimistic (12-13%) cases to bracket reality.
For diversified Indian equity mutual funds, 10-12% annualized is the commonly used planning range — matching long-run Nifty/Sensex-type index performance. Debt-oriented funds belong closer to 6-8%.
FV = P × [(1+i)^n − 1] / i × (1+i), with P the monthly amount, i the monthly rate (annual ÷ 12), and n the number of months. The trailing (1+i) assumes investment at the start of each period.
At 12% annualized, roughly ₹20,000 a month gets you close (₹1.0-1.1 cr) over 15 years. At 10% you would need closer to ₹24,000. Use the calculator to plug your own horizon and comfort level.
A step-up SIP raises your monthly investment with income growth — for instance 10% more each year. Because later contributions still compound, total corpus grows materially; many calculators including the more advanced ones support step-up projections.
Different animals: FDs give a contractual, taxable-in-my-year fixed interest; mutual fund SIPs are market-linked with higher expected return and volatility. SIPs also enjoy different taxation (equity LTCG above ₹1.25 lakh taxed at 12.5% as of FY 2025-26 rules).