MyFinCards

SIP Calculator

Work out what a monthly Systematic Investment Plan grows to, or what a one-off lumpsum is worth at maturity. The compounding convention is stated on the page rather than buried: we read your return as an effective annual rate, so the projection matches the number you entered. Investing a single amount instead? Use the lumpsum calculator.

SIPLumpsum
₹25,000
₹500₹10,00,000
12%
1%30%
10 Yr
1 Yr40 Yr
Invested amount₹30,00,000
Est. returns₹26,00,897
Total value₹56,00,897

What the Corpus is Made Of

Total Value After 10 Years

₹56,00,897

We read 12% as an effective annual return, so the monthly rate is 1.12001/12 − 1 = 0.9489% — not 12 ÷ 12 = 1.0000%. That shortcut compounds to more than 12% over a year, and on a long SIP it invents lakhs of rupees the return you entered never produced.

Worked Example: ₹25,000 a Month for 10 Years

You invest ₹25,000 at the start of every month for 10 years — 120 instalments — and the fund returns an effective 12% a year. Each instalment compounds for however many months are left, so the first grows for all 120 and the last for one.

You put in

₹30,00,000

₹25,000 × 120 months

The fund adds

₹26,00,897

87% of what you paid in

Maturity value

₹56,00,897

before tax and expense ratio

This is a projection, not a return

It assumes a steady 12% every year. Real funds deliver a sequence instead, and a bad run early costs more than the same bad run late. The figure is also gross: the scheme's expense ratio and capital gains tax both come out of it.

What this Calculator Does

It turns three inputs — what you invest, for how long, and the return you assume — into a maturity value, and splits that value into the part you paid in and the part the market added. The split matters: over a long SIP the gain is usually larger than the contributions, and seeing where that crossover happens is most of the argument for starting early.

How to Use It

1

Pick SIP for a monthly instalment, or Lumpsum for a single investment.

2

Set the amount, the return you want to assume, and the number of years.

3

Read the invested amount, the estimated gain and the total value.

4

Run it again at a lower return to see how much the answer rests on your assumption.

What It Does Not Include

The figure is gross and nominal. It is before the scheme's expense ratio, before exit load, before capital gains tax, and before inflation. It also assumes a steady return every year, which no fund delivers — the order in which good and bad years arrive changes the outcome even when the average does not.

Expert FAQ

Frequently Asked Questions

A Systematic Investment Plan is a standing instruction to invest a fixed amount in a mutual fund scheme at a fixed interval, usually monthly. It is not a product or an asset class — it is a way of buying one, so the returns come from whichever scheme you direct it at.
It treats each instalment as paid at the start of the month and compounds it for the months remaining, then sums them. The formula is M = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, n is the number of months and i is the monthly rate.
Because of how the monthly rate is derived. We use i = (1 + r)^(1/12) − 1, which compounds back to exactly the annual return you entered. Many calculators use r ÷ 12 instead, which compounds to more than r over a year. On ₹25,000 a month at 12% over 10 years the shortcut adds about ₹2.08 lakh that the stated return never produced.
Nobody can tell you the future return of a fund. Long-run Indian broad-market equity index returns have sat near 12% a year, debt funds materially lower. Treat the output as a projection under an assumption you chose, not a forecast, and run it again at a lower rate to see how much the answer depends on it.
A lumpsum is invested once and compounds for the whole period; a SIP spreads the same money over many months, so the later instalments compound for less time. On the same total and the same steady return the lumpsum always finishes ahead. The SIP wins on a falling-then-rising market, because the later instalments buy more units, and on the simple fact that most people do not have the lumpsum.
No. It is gross. Equity mutual fund gains held over a year are taxed as long-term capital gains, gains under a year at a higher short-term rate, and debt fund gains at your slab rate. The scheme's expense ratio also comes out before you see any of it.
Most Indian AMCs accept ₹500 a month, and some go to ₹100 on selected schemes. There is no maximum.
Generally no. Mutual fund SIPs are debited from a bank account under an e-mandate, and AMCs do not accept credit cards for them. Treating investment as credit would also mean paying revolving interest at 30-45% against a hoped-for 12% return, which is a guaranteed loss.
No. The figure is in today's rupees at face value, not in purchasing power. If you want a real return, enter the return rate minus your inflation assumption — roughly 12% minus 6% means setting the slider to 6%.
No. Stopping the mandate stops new instalments; the units you already hold stay invested and keep compounding. Redeeming is the separate decision, and that is what crystallises gains and triggers tax.