Sip Calculator India
Calculate SIP and lump sum mutual fund returns with visual wealth growth chart. Compare invested amount vs estimated gains.
Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
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About SIP Calculator
Calculate future value of SIP (Systematic Investment Plan) or lump sum mutual fund investment. Interactive chart shows year-by-year wealth growth. Compare equity SIP returns vs FD or PPF.
A Systematic Investment Plan lets you invest a fixed amount in mutual funds every month rather than a lump sum, using rupee-cost averaging to smooth out market volatility over time. SIPs became India's dominant retail investment vehicle over the last decade — monthly SIP inflows into Indian mutual funds have grown from a few thousand crores to tens of thousands of crores per month. The power of a SIP comes from compounding: a ₹5,000 monthly SIP at a 12% assumed annual return grows to roughly ₹50 lakh over 20 years, of which more than half is pure compounding, not your own contribution. This calculator projects both SIP and lump-sum outcomes so you can compare which investment style suits your goal and time horizon.
How to use
- Enter your figures in the input fields — the result recalculates instantly as you type, no submit button needed.
- Double-check which financial year or rate the tool is using, shown near the result, since tax and interest rates change periodically.
- Use the "Next step" workflow links below to move into a related calculation, like comparing this result against another instrument.
- Share your result via WhatsApp or Twitter using the buttons above if you need to send it to someone else.
- Everything is calculated locally in your browser — your financial figures are never sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
SEBI data: Average 10-year SIP return for Nifty 50 index funds is 12-13% annually. ELSS SIPs qualify for Section 80C deduction up to ₹1.5 lakh with shortest lock-in (3 years) among 80C instruments.
Frequently asked questions
What return rate to assume for SIP?
12% for large-cap equity, 14-16% for mid/small cap, 8% for debt funds, 10% for balanced funds. These are historical — not guaranteed.
Is SIP better than FD over 10 years?
Historically yes — equity SIPs have returned 12-15% vs FD at 6-7%. But SIPs carry market risk. For goals > 7 years, SIP is generally preferred.
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