SIP Calculator

Calculate SIP mutual fund returns, maturity value, and estimated investment growth.

Start from a goal

Monthly SIP amount

₹

₹5 Thousand every month

Expected return (p.a.)

Equity funds have historically returned about 10–12% a year over long periods; debt funds about 6–8%.

Time period

years

120 monthly instalments

Estimated value after 10 years

₹11,61,695

if you invest ₹5,000 every month and it grows 12% a year

Gains make up 48% of the final amount. Staying invested 5 more years would grow it to ₹25,22,880 — time does most of the work.

Mutual fund investments are subject to market risks. This is an estimate at a steady return; actual returns vary.

How your money grows

Gains start small and speed up in later years as returns earn returns of their own.

Year	Invested	Gains	Value
1	₹60,000₹60K	₹4,047₹4.05K	₹64,047₹64K
2	₹1,20,000₹1.2L	₹16,216₹16.2K	₹1,36,216₹1.36L
3	₹1,80,000₹1.8L	₹37,538₹37.5K	₹2,17,538₹2.18L
4	₹2,40,000₹2.4L	₹69,174₹69.2K	₹3,09,174₹3.09L
5	₹3,00,000₹3L	₹1,12,432₹1.12L	₹4,12,432₹4.12L
6	₹3,60,000₹3.6L	₹1,68,785₹1.69L	₹5,28,785₹5.29L
7	₹4,20,000₹4.2L	₹2,39,895₹2.4L	₹6,59,895₹6.6L
8	₹4,80,000₹4.8L	₹3,27,633₹3.28L	₹8,07,633₹8.08L
9	₹5,40,000₹5.4L	₹4,34,108₹4.34L	₹9,74,108₹9.74L
10	₹6,00,000₹6L	₹5,61,695₹5.62L	₹11,61,695₹11.6L