Free SIP Calculator 2026 — SIP Returns & Maturity Value India
How to Use the SIP Calculator
Enter your monthly SIP amount, expected annual return rate and investment duration. The calculator instantly shows your maturity value, total invested amount and estimated returns. Use the year-wise chart to visualise your wealth compounding over time.
SIP Return Formula Explained
Maturity = P × [(1 + r)^n − 1] / r × (1 + r)
P = Monthly SIP amount
r = Monthly return rate (Annual rate ÷ 12 ÷ 100)
n = Total months (Years × 12)For ₹10,000/month at 12% p.a. for 15 years: n = 180, r = 0.01, Maturity ≈ ₹50.46 lakh.
Common Use Cases
- Planning retirement corpus with monthly mutual fund investments
- Comparing SIP returns against FD or RD at different rates
- Deciding how much to invest monthly to reach a target corpus
- Understanding the power of compounding over long durations
Frequently Asked Questions
Q: What is SIP?
A: SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. It allows you to benefit from rupee cost averaging: you buy more units when markets are low and fewer when markets are high, reducing the average cost per unit over time.
Q: Is a 12% annual return realistic for SIP?
A: Historically, the Nifty 50 has delivered approximately 12–13% CAGR over 15-year rolling periods. However, past performance is not a guarantee of future returns. Equity mutual funds can deliver higher or lower returns depending on market conditions. A conservative assumption of 10–11% is often used for long-term planning.
Q: What is the difference between SIP and lump sum investment?
A: A SIP invests a fixed amount every month, benefiting from rupee cost averaging. A lump sum invests a large amount at once, which can outperform SIP during sustained bull markets but underperform during volatile or falling markets. SIP is generally recommended for salaried investors who want to invest regularly without timing the market.
Q: What is the ideal SIP duration?
A: The longer the SIP duration, the more powerful the compounding effect. A minimum of 5 years is recommended for equity mutual funds to ride out market cycles. For wealth creation goals like retirement or a child's education, 10–20 year SIPs significantly amplify returns. Short SIPs of under 3 years in equity funds carry high market timing risk.
Q: What is the SIP vs FD comparison shown in the calculator?
A: The calculator compares your SIP returns against a recurring deposit (RD) or fixed deposit (FD) at 7% annual interest, which is a typical bank FD rate. This highlights the additional wealth created by equity SIPs compared to guaranteed-return instruments over the same period.
Last updated: June 2026 · Based on standard SIP compound interest formula · Mutual fund returns are market-linked and not guaranteed.