SIP Returns Calculator
Estimate your mutual fund SIP maturity amount and wealth gained
About SIP Returns
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Your money buys units at different price levels, which averages out your purchase cost — a strategy called rupee cost averaging.
How is SIP return calculated?
SIP return uses the future value of a recurring payment formula: M = P × {[(1 + r)^n – 1] / r} × (1 + r), where P is the monthly amount, r is the monthly rate (annual ÷ 12 ÷ 100), and n is the number of months.
What return rate should I use?
Large-cap equity funds in India have historically returned 10–13% annually over long periods. Small/mid-cap funds can be higher but more volatile. For conservative estimates, use 10–11%. Debt funds typically return 6–8%.
Is SIP return guaranteed?
No. Mutual fund returns depend on market performance and are not guaranteed. Past performance does not guarantee future results. This calculator is for estimation only — not financial advice.