Quick answer: Use the SIP calculator below to estimate how much a monthly mutual fund investment can grow to. Enter the monthly amount, expected annual return and period, and it instantly shows the invested amount, estimated returns and total value. Switch to the lumpsum tab for one-time investments. Returns are market linked, so treat every figure as an illustration, not a promise.
SIP returns calculator
Mutual fund returns are market linked and not guaranteed. This calculator assumes a constant annual return compounded monthly and is for illustration only, not investment advice.
TLDR: A SIP of Rs 5,000 per month for 10 years means you invest Rs 6,00,000 in total. At an assumed 12 percent annual return, the estimated value is about Rs 11.6 lakh. The longer the period, the larger the share of the final value that comes from compounding rather than your own contributions.
Table of contents
How the SIP calculation works
The calculator uses the standard SIP future value formula. Each monthly installment compounds at the monthly equivalent of your assumed annual return for however many months it stays invested. Early installments compound the longest, which is why starting early matters more than the exact amount.
All calculation happens in your browser. Nothing you enter is stored or sent anywhere.
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Example SIP projections
The table shows the formula at an assumed 12 percent annual return. These are arithmetic illustrations of the assumption, not forecasts of any fund’s performance.
| Monthly SIP | Period | Total invested | Estimated value at 12 percent |
|---|---|---|---|
| Rs 2,000 per month | 10 years | Rs 240,000 | Rs 464,678 |
| Rs 5,000 per month | 10 years | Rs 600,000 | Rs 1,161,695 |
| Rs 5,000 per month | 20 years | Rs 1,200,000 | Rs 4,995,740 |
| Rs 10,000 per month | 15 years | Rs 1,800,000 | Rs 5,045,760 |
Notice how doubling the period does far more than doubling the outcome. In the Rs 5,000 rows, moving from 10 to 20 years multiplies the invested amount by two but multiplies the estimated value by more than four. That gap is compounding at work.
SIP versus lumpsum
A lumpsum investment puts the full amount to work from day one, so in a steadily rising market it mathematically ends ahead of the same total invested through SIP. In practice, most people do not have the full amount upfront, and SIP removes the timing decision by spreading purchases across market ups and downs. Use the toggle in the calculator to compare both modes with the same assumptions.
Common questions
What return should I assume?
There is no correct single number. Equity funds in India have delivered a wide range of outcomes depending on the fund and period, and past performance does not repeat on schedule. A common practice is to test a conservative and an optimistic scenario, for example 10 and 14 percent, and plan around the conservative one.
Does the calculator account for expense ratio and tax?
No. Assume the return you enter is net of the fund’s expense ratio if you want a cleaner estimate, and remember that capital gains tax applies when you redeem, which reduces the final in-hand amount.
Can the value go below what I invested?
Yes. Mutual fund investments carry market risk, and over short periods the value can fall below your total contributions. The constant-return assumption in any SIP calculator smooths over this volatility.
