SIP Calculator 2026 - Mutual Fund SIP Returns

Calculate your SIP (Systematic Investment Plan) returns with our free mutual fund SIP calculator. Plan your monthly investments and see how your wealth will grow over time with compound interest. Our SIP calculator uses accurate mathematical formulas to show you the future value of your investments, total invested amount, and wealth gained through systematic investing. Whether you're planning for retirement, children's education, or building an emergency fund, use this calculator to understand how regular monthly investments can help you achieve your financial goals. The calculator demonstrates the power of compounding and rupee cost averaging, helping you make informed investment decisions. SIP is one of the most effective ways to invest in mutual funds for long-term wealth creation in India.

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Calculate Your SIP Returns

₹
%

Typical returns: Equity funds 12-15%, Debt funds 7-9%, Hybrid funds 10-12%

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How SIP Works - Complete Guide

Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds. Instead of investing a large lump sum, you invest a fixed amount regularly (usually monthly) into a mutual fund scheme. This approach offers several advantages including rupee cost averaging, power of compounding, and reduced market timing risk.

SIP Calculation Formula

FV = P × [(1 + r)^n - 1] / r × (1 + r)

Where:

• FV = Future Value of investment

• P = Monthly SIP amount

• r = Expected monthly return rate (Annual return / 12 / 100)

• n = Total number of payments (Years × 12)

SIP Calculation Example

Let's see how ₹10,000 monthly SIP grows:

  • • Monthly SIP Amount: ₹10,000.00
  • • Investment Period: 15 years (180 months)
  • • Expected Annual Return: 12%
  • • Monthly Return Rate: 12% / 12 = 1% or 0.01
  • • Calculation:
  • FV = 10,000 × [(1.01)^180 - 1] / 0.01 × 1.01
  • FV = 10,000 × [5.995 - 1] / 0.01 × 1.01
  • • Total Invested: ₹18,00,000.00
  • • Wealth Gained: ₹31,96,777.00
  • • Future Value: ₹49,96,777.00

SIP Returns Comparison - Different Amounts & Tenures

Monthly SIP10 Years15 Years20 Years25 Years
₹3,000.00₹6.9L₹15L₹30L₹57L
₹5,000.00₹11.5L₹25L₹50L₹95L
₹10,000.00₹23L₹50L₹1Cr₹1.9Cr
₹15,000.00₹34.5L₹75L₹1.5Cr₹2.85Cr
₹25,000.00₹57.5L₹1.25Cr₹2.5Cr₹4.75Cr

*Assumed 12% annual return. Values are approximate future values.

Types of Mutual Funds for SIP

Equity Funds (High Risk)

  • Large Cap: 10-12% returns, low volatility
  • Mid Cap: 12-15% returns, medium volatility
  • Small Cap: 15-18% returns, high volatility
  • Sector Funds: High risk, high reward

Best for: Long-term goals (10+ years), aggressive investors

Debt Funds (Low Risk)

  • Liquid Funds: 5-6% returns, very low risk
  • Short Duration: 6-7% returns, low risk
  • Corporate Bond: 7-9% returns, low-medium risk
  • Gilt Funds: 7-8% returns, low risk

Best for: Short-term goals (1-5 years), conservative investors

Hybrid Funds (Medium Risk)

  • Balanced Advantage: 10-12% returns
  • Multi-Asset: 9-11% returns
  • Aggressive Hybrid: 11-13% returns
  • Conservative Hybrid: 8-10% returns

Best for: Medium-term goals (5-10 years), balanced approach

Index Funds (Low Cost)

  • Nifty 50: 11-13% returns, market tracking
  • Nifty Next 50: 12-14% returns
  • Nifty 500: 12-15% returns, broad market
  • Sensex: 11-13% returns

Best for: Passive investors, low expense ratio (0.1-0.5%)

SIP Investment Strategy & Tips

  1. Start Early: Time is your biggest advantage. Starting at 25 vs 35 can double your wealth.
  2. Don't Time the Market: Continue SIP in both bull and bear markets for rupee cost averaging.
  3. Increase SIP Annually: Step-up SIP by 10-15% yearly as your income grows.
  4. Stay Invested Long-Term: Minimum 5 years, ideally 10+ years for equity funds.
  5. Diversify Across Funds: 2-3 equity funds, 1-2 debt funds for balanced portfolio.
  6. Review Annually: Check fund performance yearly, but avoid frequent changes.
  7. Use Direct Plans: Save 1-1.5% in expense ratio with direct mutual funds.
  8. Automate Payments: Set up auto-debit to ensure disciplined investing.

Frequently Asked Questions

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