SIP Calculator (2026) – Systematic Investment Plan Returns Calculator
📈 Calculate SIP Maturity & Wealth Gained Instantly
SIP Calculator – Systematic Investment Plan
Monthly SIP Amount ₹5,000
Expected Annual Return (%) 12%
Investment Period (Years) 10 Years
Maturity Amount
₹11,61,695
Monthly Investment₹5,000
Total Invested Amount₹6,00,000
Wealth Gained₹5,61,695
Absolute Returns93.62%
Maturity Amount₹11,61,695
Your ₹5,000/month grows to ₹11.6 lakhs in 10 years at 12% return. Wealth doubles your investment!
Amount Invested vs Wealth Gained
Invested
Wealth Gained
Year-wise SIP Growth Table
| Year | Invested This Year | Total Invested | Portfolio Value | Wealth Gained | Growth Split |
|---|
What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a disciplined method of investing a fixed amount regularly — typically monthly — in mutual funds. Instead of investing a large lump sum at once, SIP allows you to invest small amounts every month, making wealth creation accessible to everyone including salaried individuals.
SIP works on two powerful principles: Rupee Cost Averaging (buying more units when markets are low and fewer when high, reducing average cost) and Power of Compounding (returns earn returns over time, exponentially growing wealth).
Key Benefits of SIP
- Start with as low as ₹500/month — accessible for everyone
- Rupee cost averaging — reduces risk of market timing
- Power of compounding — small monthly investments grow exponentially
- Disciplined investing — auto-debit from bank on fixed date
- Flexible — pause, stop, or increase SIP amount anytime
- Tax efficient — ELSS funds offer 80C deduction up to ₹1.5 lakhs
- No lock-in — most equity SIPs have no lock-in period
SIP Formula & How to Calculate SIP Returns
M = P × [((1+r)^n – 1)/r] × (1+r)
M = Maturity Amount
P = Monthly SIP Amount
r = Monthly Interest Rate = Annual Rate ÷ 12 ÷ 100
n = Investment Period in Months
Example: ₹5,000/month at 12% for 10 years
r = 12/12/100 = 0.01, n = 120
M = 5,000 × [((1.01)^120 – 1)/0.01] × 1.01
M = ₹11,61,695
M = Maturity Amount
P = Monthly SIP Amount
r = Monthly Interest Rate = Annual Rate ÷ 12 ÷ 100
n = Investment Period in Months
Example: ₹5,000/month at 12% for 10 years
r = 12/12/100 = 0.01, n = 120
M = 5,000 × [((1.01)^120 – 1)/0.01] × 1.01
M = ₹11,61,695
How to Use SIP Calculator
- Enter your Monthly SIP Amount — how much you can invest every month
- Enter Expected Annual Return — 12% for large cap, 15% for mid cap, 18% for small cap
- Enter Investment Period — longer the better for compounding
- Click Calculate Returns — get maturity amount, wealth gained, year-wise table
SIP Returns for Different Monthly Amounts (2026)
Expected SIP maturity amounts at 12% annual return for various monthly investments:
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years |
|---|---|---|---|---|
| ₹500 | ₹41,243 | ₹1,16,170 | ₹2,52,288 | ₹4,99,574 |
| ₹1,000 | ₹82,486 | ₹2,32,339 | ₹5,04,576 | ₹9,99,148 |
| ₹2,000 | ₹1,64,973 | ₹4,64,678 | ₹10,09,152 | ₹19,98,296 |
| ₹5,000 | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 |
| ₹10,000 | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 |
| ₹20,000 | ₹16,49,729 | ₹46,46,782 | ₹1,00,91,520 | ₹1,99,82,958 |
| ₹50,000 | ₹41,24,322 | ₹1,16,16,954 | ₹2,52,28,800 | ₹4,99,57,395 |
*Returns at 12% p.a. Actual returns depend on fund performance. Past returns do not guarantee future results.
SIP Returns at Different Return Rates – ₹10,000/month
| Annual Return | 10 Years | 15 Years | 20 Years | Fund Type |
|---|---|---|---|---|
| 8% | ₹18,29,460 | ₹34,60,436 | ₹59,29,472 | Debt / FD |
| 10% | ₹20,48,450 | ₹41,79,247 | ₹76,56,968 | Balanced Fund |
| 12% | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 | Large Cap |
| 15% | ₹27,86,573 | ₹67,68,649 | ₹1,51,59,619 | Mid Cap |
| 18% | ₹33,59,031 | ₹91,06,848 | ₹2,31,48,000 | Small Cap |
SIP vs FD – Which is Better for Investment?
| Feature | SIP (Equity Mutual Fund) | FD (Fixed Deposit) |
|---|---|---|
| Returns | 12–18% (market-linked, not guaranteed) | 6.5–8% (guaranteed) |
| Risk | Market risk (short-term volatility) | Zero risk |
| Inflation Beating | Yes (historically beats inflation) | Barely (6.5% vs ~6% inflation) |
| Tax (Long-term) | LTCG 12.5% above ₹1.25 lakh/year | Taxed as per slab rate |
| Minimum Amount | ₹500/month | ₹1,000 one-time |
| Lock-in | None (except ELSS: 3 years) | Penalty for early withdrawal |
| Ideal For | Long-term goals (7+ years) | Short-term goals, capital safety |
Verdict: For goals 7+ years away, SIP in equity mutual funds is significantly better due to higher returns and inflation beating ability. For short-term goals or capital protection, FD is safer. Check our FD Calculator to compare.
Tips to Maximise Your SIP Returns
- Start early — starting at 25 vs 35 can double your final corpus due to compounding
- Increase SIP annually — use Step-Up SIP to increase by 10-15% every year with salary hike
- Stay invested during market dips — dips are opportunities to buy more units at lower prices
- Choose direct plans — direct mutual fund plans have lower expense ratio vs regular plans
- Diversify — mix large cap, mid cap, and index funds for balanced risk-return
- Review annually — check fund performance vs benchmark; switch if underperforming for 3+ years
- Don’t stop during volatility — SIP’s power is in consistent investing through market cycles
- Set goals — link each SIP to a specific goal (retirement, child education, home down payment)
To plan SIP with annual increase, use our Step-Up SIP Calculator. To calculate returns on lump sum, use our Lumpsum Calculator.
Frequently Asked Questions – SIP Calculator
What is SIP?
SIP (Systematic Investment Plan) is a method of investing fixed amount monthly in mutual funds. It uses rupee cost averaging and power of compounding to build wealth. SIP is the most popular investment method in India with over 10 crore active SIP accounts as of 2026.
What is return on ₹5,000 SIP for 10 years?
₹5,000/month SIP for 10 years at 12% annual return gives maturity amount of ₹11,61,695. Total invested = ₹6,00,000. Wealth gained = ₹5,61,695. Your money nearly doubles! Use our calculator above to check with different return rates.
Is SIP better than FD?
For 10+ year goals, equity SIP historically delivers 12-15% returns vs FD’s 6.5-8%. ₹5,000/month SIP for 20 years at 12% = ₹49.9 lakhs vs FD at 7% = ₹29.6 lakhs. However, SIP has market risk. For short-term goals or capital protection, FD is better.
What is minimum SIP amount?
Minimum SIP amount is ₹100 to ₹500 per month depending on the mutual fund. Most popular funds (HDFC, SBI, ICICI Prudential, Axis) allow SIP from ₹500/month. Nifty 50 index funds from most AMCs start at ₹100-500/month.
Can I stop SIP anytime?
Yes, you can stop, pause, or modify SIP anytime without penalty. Submit cancellation at least 10-15 days before next debit date. Exception: ELSS tax-saving SIP has 3-year lock-in per installment. Your invested units remain — you can redeem anytime (after lock-in for ELSS).
Which mutual fund is best for SIP in 2026?
For beginners: Nifty 50 Index Fund (low cost, market returns). For moderate risk: Large cap or Flexi cap funds. For higher returns: Mid cap funds (10+ year horizon). For tax saving: ELSS funds. Always choose based on your risk profile and goal timeline. Consult a SEBI-registered advisor for personalized advice.
What is difference between SIP and lumpsum investment?
SIP invests small fixed amounts monthly — benefits from rupee cost averaging, lower risk, accessible for salaried investors. Lumpsum invests a large amount at once — higher risk (if market falls after investment) but potentially higher returns if timed well. Use our Lumpsum Calculator to compare.