SIP Calculator India
Mutual Fund Returns
Calculate future value, inflation-adjusted wealth & plan your financial goals with our accurate SIP return calculator.
⚖️ SIP vs FD — Which is Better?
| Parameter | SIP (Mutual Fund) | Fixed Deposit (FD) |
|---|---|---|
| Average Returns | 10–15% CAGR (equity) | 6.5–7.5% p.a. |
| Risk Level | Medium–High (market-linked) | Very Low (guaranteed) |
| Inflation Beating | ✅ Yes (typically) | ❌ Barely (real return ~1%) |
| Tax on Returns | LTCG 12.5% (>₹1.25L gains) | As per income slab |
| Flexibility | Start/stop/modify anytime | Fixed lock-in, penalty on exit |
| Min Investment | ₹100–₹500/month | ₹1,000 typically |
| Liquidity | High (T+3 redemption) | Low (lock-in period) |
| Ideal For | Long-term wealth (5+ years) | Short-term safety (1–3 years) |
What is SIP? How Does a SIP Calculator Work?
A Systematic Investment Plan (SIP) is a disciplined method of investing a fixed amount in a mutual fund scheme at regular intervals — typically monthly. Unlike a lumpsum investment, SIP allows you to invest as little as ₹500 per month and benefit from rupee-cost averaging and the powerful effect of compounding.
Our SIP calculator uses the standard future value of annuity formula to calculate how much your monthly investments will grow over time at a given expected rate of return. It also shows you the inflation-adjusted real value of your corpus — so you know the true purchasing power of your wealth.
🧮 SIP Formula Explained
The formula for SIP future value is: FV = P × [(1+r)ⁿ − 1] / r × (1+r)
- P = Monthly investment amount (e.g. ₹5,000)
- r = Monthly interest rate = Annual rate ÷ 12 ÷ 100
- n = Total months = Years × 12
📌 Example: ₹5,000 SIP for 10 Years @ 12%
💡 Power of Compounding in SIP
The longer you stay invested, the more dramatic the compounding effect. A ₹10,000/month SIP at 12% grows from ₹24L invested to ₹99.9L over 20 years — a 4x multiplication. Extend it to 30 years, and your ₹36L investment becomes over ₹3.5 crore. This is why starting early is the single most important factor in wealth creation.
🎯 What is Goal-Based SIP?
Goal-based SIP helps you reverse-calculate: instead of asking "how much will I have?", you ask "how much do I need to invest to reach ₹1 crore?" Enter your target corpus, time horizon, and expected return — the calculator tells you the exact monthly SIP amount needed. Use this for goals like retirement, child's education, house down payment, or foreign vacation.
🔢 More Financial Calculators — Arthzo
❓ Frequently Asked Questions about SIP
FV = P × [(1+r)ⁿ − 1] / r × (1+r) where P = monthly investment, r = monthly rate (annual ÷ 1200), n = months. This is the future value of annuity-due formula — the same used by AMFI, Groww, Zerodha, and all major platforms. Inflation-adjusted real return = [(1+nominal) ÷ (1+inflation)] − 1.• ₹5,000/month × 25 years = ~₹94.8 lakh
• ₹7,000/month × 22 years = ~₹1.02 crore
• ₹10,000/month × 20 years = ~₹99.9 lakh
• ₹20,000/month × 15 years = ~₹1.01 crore
Use our Goal-based SIP tab above to calculate your exact number.
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