SIP Calculator
Estimate your mutual fund SIP returns and wealth gain over time.
A SIP (Systematic Investment Plan) calculator helps you estimate the wealth you can build by investing a fixed amount every month in a mutual fund. SIPs are the most popular investment route for Indian retail investors, offering the benefits of rupee cost averaging, compounding, and financial discipline — making them ideal for long-term wealth creation goals like retirement, children's education, or buying a house.
📋 How to Use This Calculator
Enter your monthly SIP amount, the expected annual return (historical average for equity mutual funds in India is 12–15% over 10+ year horizons), and the investment period. The calculator shows your total invested amount, the wealth gained from returns, and the final maturity value. The difference between what you invest and what you get is the power of compounding at work. Try increasing the tenure from 10 to 15 years — you will see how dramatically wealth accelerates in the later years.
💡 Key Facts & Information
India's mutual fund industry, regulated by SEBI, has grown to over ₹60 lakh crore in AUM as of 2025. SIPs are available for as little as ₹100/month. Historical CAGR (Compound Annual Growth Rate) data: large-cap funds ~11–13%, mid-cap funds ~14–16%, small-cap funds ~15–18% over 10+ years. However, past performance does not guarantee future returns. ELSS (Equity Linked Saving Scheme) SIPs offer an additional benefit: up to ₹1.5 lakh tax deduction under Section 80C with only a 3-year lock-in period — the shortest among 80C instruments. Long-term capital gains above ₹1 lakh from equity mutual funds are taxed at 10%.