SIP Return Calculator for India
Instantly Estimate Your Mutual Fund Investment Growth.
Our free SIP return calculator helps you visualize how consistent, monthly investments in mutual funds can grow your wealth. See the power of compounding in action and plan for your financial goals like retirement, education, or a down payment.
Total Amount Invested
Wealth Gained
Understanding Your SIP Returns
A Systematic Investment Plan helps you build wealth through two main principles: rupee cost averaging and the power of compounding.
The Power of Compounding
Compounding is when the returns you earn start generating their own returns. This calculator demonstrates this effect over time. The formula used is:
$ M = P \times \frac{[(1+i)^n-1]}{i} \times (1+i) $
Where M is the future value, P is the monthly investment, i is the monthly interest rate, and n is the number of months.
Frequently Asked Questions
What is a SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a disciplined way to invest in mutual funds. You invest a fixed amount regularly (usually monthly), which helps in averaging out the purchase cost and benefiting from compounding.
What is a good return rate for a SIP in India?
While returns are not guaranteed, a realistic long-term return rate for equity mutual fund SIPs in India is often considered to be around 10-12% per annum. However, this can vary significantly based on market performance and the fund chosen.
Is this SIP calculator accurate?
This calculator provides a mathematical projection based on the inputs you provide. Since mutual fund returns are subject to market risks and can fluctuate, the result is an estimate, not a guarantee. It is intended for illustrative purposes to understand the potential of SIP investing.