A Systematic Investment Plan (SIP) lets you invest a fixed amount every month in a mutual fund, harnessing the power of compounding and rupee-cost averaging. This calculator has three modes: (1) SIP Returns — given your monthly SIP, what will your corpus be at maturity? (2) Goal SIP — how much do yo...
MATURITY CORPUS
₹22.40 L
Invested: ₹12.00 L · Returns: ₹10.40 L (86.7%)
MATURITY CORPUS
₹22.40 L
TOTAL INVESTED
₹12.00 L
TOTAL RETURNS
₹10.40 L
RETURNS %
86.7%
CORPUS GROWTH OVER TIME
Uses correct compounding: r = (1+annual)^(1/12)−1 · Live diagram
SIP Returns mode: enter your monthly SIP amount, expected annual return, and investment duration in years. The calculator shows your maturity corpus, total invested, and total returns.
Goal SIP mode: enter your target corpus (e.g. ₹1 crore), expected annual return, and number of years. The calculator shows exactly how much you need to invest every month to reach your goal.
Step-Up SIP mode: enter your starting monthly SIP, annual return, tenure, and the percentage by which you increase your SIP every year. Step-up SIPs dramatically increase your corpus versus a flat SIP.
Use the currency toggle to switch between INR (₹) and USD ($). The calculation is identical — only the currency symbol changes.
Priya invests ₹10,000/month in a mutual fund SIP for 20 years at an expected 12% annual return. Using the correct compounding formula (monthly rate = (1.12)^(1/12) − 1 = 0.9489%): Maturity amount = ₹10,000 × {((1.009489)^240 − 1) / 0.009489} × 1.009489 ≈ ₹99,91,479. Total invested: ₹24,00,000. Total returns: ₹75,91,479 — over 3× her investment. With a 10% annual step-up (increasing ₹10,000 by ₹1,000 every year), the corpus grows to approximately ₹1.62 crore.
| MONTHLY SIP | 5 Years | 10 Years | 20 Years | 30 Years |
|---|---|---|---|---|
| ₹1,000 | ₹81,104 | ₹2.24 L | ₹9.20 L | ₹30.81 L |
| ₹5,000 | ₹4.06 L | ₹11.20 L | ₹45.99 L | ₹1.54 Cr |
| ₹10,000 | ₹8.11 L | ₹22.40 L | ₹91.99 L | ₹3.08 Cr |
| ₹25,000 | ₹20.28 L | ₹56.01 L | ₹2.30 Cr | ₹7.70 Cr |
| ₹50,000 | ₹40.55 L | ₹1.12 Cr | ₹4.60 Cr | ₹15.40 Cr |
Formula: M = P × ((1+r)^n − 1)/r × (1+r) · Monthly rate r = (1.12)^(1/12) − 1 = 0.9489% · Indicative only
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Formula: M = P×((1+r)^n−1)/r×(1+r) · Monthly rate = (1+annual)^(1/12)−1 · Last updated: April 25, 2026 · Indicative only — actual mutual fund returns vary · Consult a financial advisor · Eagle-eyed accuracy for every calculation.