SIP Calculator — Mutual Fund SIP Returns
See what your monthly SIP grows into with the standard annuity-due formula used across the mutual fund industry. ₹5,000 a month at 12% becomes ₹11,61,695 in 10 years.
How SIP returns are calculated
SIP maturity is the future value of an annuity-due — each installment is assumed invested at the start of the month and compounds monthly until the end of the tenure.
P = monthly amount i = annual return ÷ 12 ÷ 100 n = months
₹5,000 monthly SIP at 12% — the power of time
| Duration | Amount invested | Corpus at 12% | Wealth gained |
|---|---|---|---|
| 10 years | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
| 15 years | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 |
| 20 years | ₹12,00,000 | ₹49,95,740 | ₹37,95,740 |
Notice the curve: the second decade adds far more than the first. From year 10 to year 20 you invest only ₹6,00,000 more, but the corpus jumps by over ₹38 lakh.
Different monthly amounts — 10 years at 12%
| Monthly SIP | Amount invested | Corpus at 12% |
|---|---|---|
| ₹1,000 | ₹1,20,000 | ₹2,32,339 |
| ₹5,000 | ₹6,00,000 | ₹11,61,695 |
| ₹10,000 | ₹12,00,000 | ₹23,23,391 |
| ₹25,000 | ₹30,00,000 | ₹58,08,477 |
Frequently asked questions
How is SIP return calculated?
SIP maturity uses the future value of an annuity-due: FV = P × ((1+i)^n − 1) ÷ i × (1+i), where P is the monthly investment, i is the monthly rate (annual return ÷ 12 ÷ 100) and n is the number of monthly installments.
How much will a 5,000 rupee monthly SIP grow in 10 years?
At an assumed 12% annual return, a ₹5,000 monthly SIP grows to ₹11,61,695 in 10 years. You invest ₹6,00,000 and the remaining ₹5,61,695 comes from compounding.
Why do longer SIPs grow disproportionately faster?
Compounding accelerates with time. At 12%, a ₹5,000 monthly SIP reaches ₹11,61,695 in 10 years, ₹25,22,880 in 15 years and ₹49,95,740 in 20 years — doubling the tenure from 10 to 20 years multiplies the corpus more than 4 times.
Are SIP returns guaranteed?
No. SIP is a way of investing in mutual funds, not a product with fixed returns. The 12% used in examples is an assumption for planning; actual equity fund returns vary with the market. Calculators show projections, not promises.
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