SIP Calculator

Estimate mutual fund SIP maturity value, total invested amount, and expected returns over time.

Part of ContentVerse India Tools — free daily-use checkers for Indian users.

SIP details

Monthly SIP (₹)

Expected return (% p.a.)

Duration (years)

Invested

₹12,00,000

Est. returns

₹11,23,391

Maturity value

₹23,23,391

Illustrative estimate only. Mutual fund returns are market-linked and not guaranteed.

How to use SIP Calculator

A SIP (Systematic Investment Plan) calculator projects how monthly mutual fund investments can grow over time using an assumed annual return. It is for planning — not a guarantee of returns.

How to use this SIP calculator

Enter monthly amount, expected annual return %, and tenure in years. Review both maturity value and estimated gains. Try conservative (8–10%), moderate (11–12%), and optimistic scenarios separately.

Equity SIPs can be volatile year to year. Long horizons matter more than chasing last year’s top fund. This calculator assumes a constant return for simplicity.

SIP tips for beginners in India

Start with an amount you can continue for years. Automate via bank mandate. Increase SIP when salary rises. Review asset allocation annually — not every market headline.

Mutual fund investments are subject to market risks. Read the scheme document and consult a SEBI-registered advisor if needed.

Worked examples

Example — ₹5,000 monthly SIP for 10 years

At an assumed 12% annualised return, a ₹5,000 SIP for 10 years invests ₹6 lakh in contributions while the projected corpus is materially higher — but a flat 12% path is only an illustration, not a promise.

Example — compare horizons

Keep the SIP amount fixed and toggle 5 vs 15 years. Longer horizons usually matter more than chasing last year’s top fund return assumption.

Related tools & hubs

In this topic: SIP & long-term investing

Project SIP growth, understand market risk, and pair investing with tax basics.

Frequently asked questions

Is the SIP Calculator free on ContentVerse India?

Yes. All India utility tools on ContentVerse India are free to use with no sign-up required.

Is this an official government website?

No. ContentVerse India is an independent platform. We use public datasets and open APIs. For official records, use government portals like Parivahan, GST, FoSCoS, or ECI.