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SIP Returns Calculator

Estimate your mutual fund SIP maturity amount and wealth gained

Minimum recommended: ₹500/month
12%
Equity funds: 10–14% · Debt funds: 6–8%
10 yrs
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Maturity value
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Amount invested
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Wealth gained
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Invested
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Returns
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📊 Worked Example

Ajay invests ₹5,000/month in an equity mutual fund at 12% CAGR for 15 years.

  • Monthly investment (P) = ₹5,000  |  Monthly rate (r) = 12% ÷ 12 = 1%  |  Months (n) = 15 × 12 = 180
  • Maturity value = ₹5,000 × [(1.01¹⁸⁰ – 1) / 0.01] × 1.01 = ₹25.23 lakh
  • Total invested = ₹5,000 × 180 = ₹9 lakh
  • Wealth gained = ₹25.23 L – ₹9 L = ₹16.23 lakh (180% gain on invested amount)

The power of compounding: your ₹9 lakh turns into ₹25 lakh by staying invested for 15 years.

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📗 Calculate SIP in Excel

Excel's FV function does this in one step:

=FV(12%/12, 15*12, -5000)

Syntax: =FV(rate per period, total periods, payment per period)

  • 12%/12 — monthly rate (annual rate ÷ 12)
  • 15*12 — total months
  • -5000 — monthly SIP (negative = cash outflow)

Result: ₹25,22,880 — matches our calculator exactly.

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SIP Calculator — Frequently Asked Questions

What is a SIP and how does rupee cost averaging work?+
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month — as low as ₹500. Since you invest the same amount each month, you buy more units when NAV is low and fewer units when NAV is high. This automatic strategy, called rupee cost averaging, reduces the impact of market timing and smooths your average purchase cost over time.
What is the formula for SIP maturity value?+
M = P × [(1 + r)ⁿ – 1] / r × (1 + r), where P = monthly investment, r = monthly return rate (annual rate ÷ 12 ÷ 100), n = total months. For ₹5,000/month at 12% for 15 years: r = 0.01, n = 180, M ≈ ₹25.23 lakh. In Excel use =FV(12%/12, 15*12, -5000).
What annual return rate should I assume for an SIP?+
Historical CAGR for Indian equity mutual funds over 10+ years: large-cap funds 10–13%, flexi-cap/mid-cap 12–15%, small-cap 13–17% (but more volatile). For planning use 10–12% for equity, 6–8% for debt. Past performance does not guarantee future results. These calculators are for illustration only — not financial advice.
Is SIP better than a lump-sum investment?+
SIP is better when markets are volatile or when you do not have a lump sum — it enforces discipline and rupee cost averages your entry price. A lump sum can outperform SIP in a rising market if you invest at a good time. For most salaried investors, SIP is the practical and psychologically easier choice. If you have a large windfall, consider investing it in tranches over 6–12 months rather than all at once.
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