1 Crore SIP Calculator

Calculate returns on your Systematic Investment Plan. See how your monthly investments grow with the power of compounding.

Monthly Investment ₹5,000

₹500₹1,00,000

Expected Annual Return 12%

1%30%

Investment Duration 10 yrs

1 yr40 yrs

Projected Returns

Amount Invested ₹6,00,000

Estimated Returns ₹5,33,330

Total Value at Maturity

₹11,33,330

+88.9% wealth gained

Year-by-Year Breakdown

Year	Invested	Returns	Total Value

What is a SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals — typically monthly. SIPs let you build wealth through rupee cost averaging and the power of compounding: you buy more units when prices are low and fewer when prices are high, smoothing out market volatility over time.

How is SIP return calculated?

This calculator uses the standard SIP future value formula:

M = P × [ (1 + r)ⁿ − 1 ] / r × (1 + r)

Where P = monthly investment amount, r = monthly rate of return (annual rate ÷ 12), n = total number of months (years × 12), and M = maturity value. Returns are compounded monthly.

What return rate should I use?

Historical Nifty 50 SIP returns have averaged 12–14% per year over 10+ year periods. Equity mutual funds (large-cap) typically target 10–13% annually. Debt funds are more conservative at 6–8%. Use 12% as a realistic baseline for long-term equity SIPs. Past performance does not guarantee future returns.

SIP vs Lump Sum

SIP invests a fixed amount every month regardless of the market level, reducing timing risk. Lump sum investing puts all capital in at once, which can outperform in rising markets but carries more short-term risk. For most salaried investors, SIP is the recommended approach.

Disclaimer: Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.