SIP Calculator — Mutual Fund Returns in ₹
Free Indian Mutual Fund SIP calculator with year-by-year growth. Compute final corpus, total invested and wealth gained for any monthly SIP, return rate and duration.
Year-by-year growth
Total invested vs portfolio value at the end of each year. Compounding monthly at 12% p.a.
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 | ₹14,26,148 |
| 12 | ₹14,40,000 | ₹32,22,522 | ₹17,82,522 |
| 13 | ₹15,60,000 | ₹37,59,311 | ₹21,99,311 |
| 14 | ₹16,80,000 | ₹43,64,180 | ₹26,84,180 |
| 15 | ₹18,00,000 | ₹50,45,760 | ₹32,45,760 |
About this tool
A Systematic Investment Plan (SIP) is the most popular way Indians invest in mutual funds: a fixed amount auto-debited from your bank every month into a chosen scheme. It builds discipline, averages your purchase price across market cycles (rupee-cost averaging), and matches the salaried cash flow most investors have.
WRRK's SIP calculator runs the standard future-value-of-annuity-due formula in your browser and shows the year-by-year split between what you've invested and what your portfolio is worth. The gap between those two numbers is wealth created by compounding — and it grows non-linearly. A 15-year SIP often more than doubles your invested amount; a 25-year SIP can quadruple it at equity returns.
Numbers shown are pre-tax and pre-fee. Equity LTCG (over 1 year holding) is taxed at 12.5% above ₹1.25 lakh of gains per year (April 2026 rates). Most direct mutual fund plans charge an expense ratio of 0.3–1.5% which is already netted out of NAV — your assumed return should be after-expenses CAGR.
How to estimate SIP returns (5 steps)
- Enter monthly investment. The fixed amount in ₹ that you'll invest every month into the mutual fund SIP.
- Enter expected return. Expected annual CAGR. Typical assumptions: equity SIP 12%, hybrid 10%, debt 7%. Try multiple rates.
- Set duration. How many years you'll keep the SIP running. Longer durations dramatically improve returns thanks to compounding.
- Read the breakdown. Right panel shows total invested, wealth gained (return only) and final corpus. Pure compound interest math, no fees, no tax.
- Review yearly growth. Below the form, a year-by-year table shows how your invested amount and portfolio value grow side by side every year.
Sample SIP outcomes (12% p.a.)
| Monthly SIP | 10 years | 15 years | 20 years |
|---|---|---|---|
| ₹5,000 | ₹11.6 lakh | ₹25.2 lakh | ₹49.9 lakh |
| ₹10,000 | ₹23.2 lakh | ₹50.5 lakh | ₹99.9 lakh |
| ₹25,000 | ₹58.1 lakh | ₹1.26 cr | ₹2.49 cr |
| ₹50,000 | ₹1.16 cr | ₹2.52 cr | ₹4.99 cr |
Use cases
- Retirement planning — how much SIP gets you to ₹5 cr in 25 years?
- Children's education corpus targeting
- House down-payment goal-based planning
- Comparing SIP durations — 10 vs 15 vs 20 years
- Stress-testing returns at 8%, 12%, 15%
- Visualising compounding for first-time investors
- Justifying a step-up SIP with concrete corpus deltas
Frequently asked questions
+−What is the SIP return formula?
FV = M × [((1+i)^N − 1) ÷ i] × (1+i), where M is the monthly SIP amount, i is the monthly rate (annual ÷ 12 ÷ 100), and N is the number of months. This is the future value of an annuity-due — contributions made at the start of each month — which is how most Indian mutual funds NAV-allocate SIP investments.
+−What return rate should I assume?
Equity mutual funds in India have historically delivered 11–14% CAGR over long periods (10+ years). Hybrid funds 9–11%. Debt funds 6–8%. Past performance isn't guaranteed. Use 12% as a sensible default for an equity SIP and stress-test with 8% and 15% to see the range.
+−What's the difference between SIP and lump sum?
A SIP invests a fixed amount every month, automatically averaging your purchase price across market ups and downs (rupee-cost averaging). A lump sum invests once. Over long periods, lump sum at market lows beats SIP, but SIP wins on discipline, behaviour and timing risk — and matches most salaried investors' cash flow.
+−Are returns shown here pre-tax or post-tax?
Pre-tax. Equity mutual fund LTCG (held over 1 year) is currently taxed at 12.5% above ₹1.25 lakh per year of gains. Debt funds taxed at slab rate as of April 2023. The calculator returns the gross figure — net of tax depends on your slab and holding period.
+−Does this account for SIP step-up (annual increase)?
No, this calculator uses a flat monthly amount. Many investors increase their SIP by 5–10% every year — a step-up SIP — which dramatically grows the corpus. Use a fresh calculation for each year's amount, or look for a step-up SIP calculator specifically.
+−How is the year-by-year growth computed?
Each month we add the SIP contribution to the running balance, then apply the monthly compound rate. At every 12th month we record the total invested so far and the current portfolio value. The 'gain' column is the difference — pure return, before tax.
+−Can I use this for non-Indian mutual funds?
The math is identical for any monthly investment plan with periodic compounding. The display uses Indian rupees (lakh-crore formatting). For other currencies, the underlying numbers still apply — just mentally substitute ₹ for $ or €.