Free SIP Calculator India
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in 2026
Calculate SIP returns for ₹500, ₹1000, ₹5000 or any monthly amount. Step-up SIP, year-by-year projections & ₹1 crore planning — all free, no login required.
SIP Calculator India – 2026
Adjust the sliders to see your projected SIP wealth in real time.
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SIP Growth Over Time
💡 Smart Insights
Year-by-Year SIP Projection
| Year | Total Invested | Est. Gains | Total Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹120,000 | ₹16,216 | ₹136,216 |
| 3 | ₹180,000 | ₹37,538 | ₹217,538 |
| 4 | ₹240,000 | ₹69,174 | ₹309,174 |
| 5 | ₹300,000 | ₹112,432 | ₹412,432 |
FAQs — SIP Calculator India
What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a disciplined way to invest in mutual funds. Instead of investing a lump sum, you contribute a fixed amount every month — benefiting from rupee cost averaging and power of compounding over time. SIP is one of the most popular investment methods in India, with over 9 crore active SIP accounts as of 2026.
How SIP Works
Each month, a fixed amount is auto-debited from your bank and invested in mutual fund units at the current NAV (Net Asset Value). When markets are low, you buy more units; when markets are high, you buy fewer — this averages your cost over time. This process is called rupee cost averaging and is one of the key advantages of SIP investing.
SIP Formula – How Returns Are Calculated
The SIP future value is calculated using the compound interest formula:
FV = P × ((1+r)ⁿ − 1) / r × (1+r)
Where P = monthly investment, r = monthly rate (annual rate ÷ 12), n = total months (years × 12).
Real-Life SIP Calculation Examples
Example 1: ₹5,000/month at 12% p.a. for 10 years → Total invested: ₹6,00,000, estimated corpus: ₹11,61,695 (returns of ~94%).
Example 2: ₹1,000/month at 12% p.a. for 20 years → Total invested: ₹2,40,000, estimated corpus: ₹9,99,148 (returns of ~316%).
Example 3: ₹10,000/month at 14% p.a. for 15 years → Total invested: ₹18,00,000, estimated corpus: ₹60,00,000+ — demonstrating the explosive power of compounding over time.
Benefits of SIP Investment in India
- Start Small: Begin with as little as ₹500/month — no large capital needed.
- Rupee Cost Averaging: Automatically buys more units when markets fall, reducing average cost.
- Power of Compounding: Returns earned are reinvested, leading to exponential wealth growth.
- Disciplined Saving: Auto-debit ensures you invest consistently without emotional decisions.
- Flexible: Pause, stop, or increase your SIP amount anytime without penalty.
- Tax Efficiency: ELSS SIP investments qualify for ₹1.5 lakh deduction under Section 80C.
- Liquidity: Most open-ended equity fund SIPs can be redeemed anytime (unlike FDs).
SIP vs Lump Sum: Which is Better?
SIP is better for investors who receive a regular monthly income and cannot time the market. Lump sum investing is better when you have a large corpus available and markets are at a multi-year low. For most salaried individuals, SIP through equity mutual funds is the most practical and effective wealth-building strategy.
Best SIP Plans in India 2026
Top-performing mutual fund categories for SIP in India include: Flexi-Cap Funds (broad diversification), Large & Mid Cap Funds (balanced risk-reward), Mid Cap Funds (higher growth potential), and ELSS (Tax-Saving) Funds (Section 80C benefit with equity exposure). Always check the fund's 3-year, 5-year and 10-year CAGR before investing.
How to Calculate SIP Returns? (Step-by-Step)
Follow these simple steps to calculate your SIP maturity value using our free calculator:
- Step 1: Enter Monthly Investment — Input the amount you plan to invest every month (e.g., ₹5,000). You can start with as little as ₹500.
- Step 2: Enter Expected Return Rate — Enter the expected annual return rate (e.g., 12%). Historical equity mutual fund average is 10–14% p.a.
- Step 3: Enter Investment Duration — Select how many years you plan to invest (e.g., 10 years). Longer duration = more compounding benefit.
- Step 4: Calculate Maturity Value — Click "Calculate SIP Returns" to instantly see your total invested amount, estimated gains, and final corpus.
📐 SIP Formula:FV = P × ((1+r)ⁿ − 1) / r × (1+r)
Where P = monthly SIP amount, r = monthly rate (annual ÷ 12), n = total months
SIP vs FD – Which is Better for Long-Term Returns?
A data-driven comparison of SIP (mutual fund) vs Fixed Deposit for Indian investors:
- 10-year returns: ~12–14% p.a. (historical)
- ₹5,000/month × 10 yrs: ~₹11.6 lakh corpus
- Risk: Market-linked, volatility in short term
- Tax: LTCG 12.5% above ₹1.25 lakh
- Liquidity: High — redeem anytime
- Inflation-beating: ✅ Yes (historically)
- 10-year returns: ~6.5–7.5% p.a.
- ₹5,000/month × 10 yrs: ~₹8.3 lakh corpus
- Risk: Zero — government-insured up to ₹5 lakh
- Tax: Interest taxable as per income slab
- Liquidity: Moderate — premature penalty applies
- Inflation-beating: ❌ Often falls behind inflation
💡 Verdict: For a 10+ year horizon, SIP in equity mutual funds typically generates 2–3× more wealth than FD. FD is better for capital protection and short-term goals (1–3 years).
SIP vs Lump Sum Investment – Key Differences
Understanding when to choose SIP vs lump sum for mutual fund investing:
- Best for: Salaried investors with regular income
- Market timing: Not required — rupee cost averaging
- Minimum start: ₹500/month
- Emotional discipline: Auto-debit removes emotional decisions
- Volatile markets: Beneficial — buys more units when prices fall
- Returns in bull market: Slightly lower vs lump sum
- Best for: Investors with large available corpus
- Market timing: Crucial — invest at market lows
- Minimum start: ₹5,000+ typically
- Emotional discipline: Hard to stay invested in crashes
- Volatile markets: Risky if invested at market peak
- Returns in bull market: Higher (full amount compounds from day 1)
What is Step-up SIP? – Boost Your Wealth with Annual Increases
A Step-up SIP (also called a top-up SIP) automatically increases your monthly SIP contribution by a fixed percentage or amount each year. This mirrors real-life salary increments and dramatically amplifies your final corpus through the power of compounding.
- Monthly SIP: ₹5,000 (constant)
- Duration: 20 years @ 12%
- Total invested: ₹12,00,000
- Final corpus: ~₹49.9 lakh
- Starting SIP: ₹5,000, +10% each year
- Duration: 20 years @ 12%
- Total invested: ~₹34,36,500
- Final corpus: ~₹1.89 crore 🚀
💡 Tip: Even a small annual step-up of 5–10% aligns with typical salary hikes and can nearly double or triple your final corpus compared to a fixed SIP — without significantly impacting your monthly budget.
SIP Returns with Inflation – Real vs Nominal Returns
Understanding the difference between nominal returns and real returns is critical for long-term financial planning. Inflation erodes the purchasing power of your money over time.
The raw return your SIP generates — e.g., 12% p.a. This is what our SIP calculator shows by default.
Your actual purchasing power after accounting for inflation (typically 6% p.a. in India). Use our inflation toggle above to see this.
Real Return Rate ≈ Nominal Rate − Inflation Rate
(e.g., 12% − 6% = 6% real return p.a. — still significantly better than FD after tax)
Enable the "Adjust for inflation" toggle in our SIP calculator above to instantly see your inflation-adjusted corpus in today's rupee terms.
🗓️ Last updated: April 2026
People Also Ask
How much will ₹5000 SIP grow in 10 years?
A ₹5,000/month SIP invested for 10 years at an assumed 12% annual return will grow to approximately ₹11.6 lakh. Your total investment over this period is ₹6 lakh, and the estimated gains through compounding are around ₹5.6 lakh. The longer you stay invested, the more powerfully compounding works in your favour — the same ₹5,000/month SIP for 20 years at 12% would grow to nearly ₹49.9 lakh.
Is SIP safe for beginners in India?
Yes, SIP is one of the safest and most beginner-friendly investment options in India. By investing a fixed amount every month, you benefit from rupee cost averaging — buying more units when markets fall and fewer when markets rise. This reduces the risk of investing a large sum at a market peak. For beginners, starting with a large-cap or index fund SIP (e.g., Nifty 50 index fund) at ₹500–₹1,000/month is a low-risk way to build long-term wealth. SIP does carry market-linked risk, so a minimum horizon of 5 years is recommended.
Can I withdraw SIP anytime?
Yes, for most open-ended mutual funds you can stop or redeem your SIP at any time without penalty. You can choose to pause contributions while keeping your existing units invested, or redeem all or part of your holdings. However, note that ELSS (tax-saving) SIP investments have a mandatory 3-year lock-in per instalment. For equity funds, short-term redemptions (within 12 months) attract a 20% Short Term Capital Gains (STCG) tax, so holding for at least 1 year is financially advisable.
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Disclaimer: This SIP calculator provides estimates based on assumed rates of return. Actual mutual fund returns may vary depending on market conditions, fund selection, and economic factors. Past performance does not guarantee future results. Please consult a SEBI-registered financial advisor before making investment decisions.