Plan your mutual fund SIP investments with precision. Enter your monthly amount, expected return rate, and investment period to instantly see your total corpus, returns earned, and a year-by-year breakdown. Completely free, no login required.
Everything you need to plan your SIP investments intelligently — built for Indian investors.
Instant Results
See corpus, returns, and total invested in real time as you adjust inputs. No page reload needed.
Year-by-Year Breakdown
View how your wealth grows annually — total invested, returns accumulated, and corpus at every year mark.
Inflation-Adjusted View
Understand real vs nominal returns by factoring in India's average inflation to see actual purchasing power growth.
How to Use the SIP Calculator
Three simple inputs. Instant, accurate results.
1
Enter Monthly SIP Amount
Type your planned monthly SIP investment — even ₹500/month makes a meaningful difference over time with compounding.
2
Set Expected Return Rate
Enter an annual return rate. Equity mutual funds in India have historically returned 10-15% CAGR over long periods.
3
Choose Investment Period
Select how many years you'll invest. The longer the period, the more powerful compounding becomes — see the difference instantly.
The SIP Return Formula
The mathematics behind every SIP calculation.
SIP Return Formula
M × {[(1 + r)ⁿ - 1] / r} × (1 + r)
Where M = monthly investment, r = monthly interest rate (annual rate ÷ 12), n = total number of months. This formula calculates the Future Value of a series of equal monthly payments.
Frequently Asked Questions
Everything you need to know about SIP investing and how the calculator works.
Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. A SIP calculator uses the future value of annuity formula to compute the total corpus you'll accumulate. You input your monthly investment amount, the expected annual return rate (based on historical fund performance), and the investment duration. The calculator compounds your returns monthly and shows you the total corpus, total amount invested, and total wealth gained.
For equity mutual funds in India, a conservative estimate is 10-12% per year. Large-cap funds have historically returned 10-13% CAGR over 10+ year periods. Mid-cap and small-cap funds can return 12-18% but with higher volatility. For debt funds, assume 6-8%. For a balanced portfolio, 10-12% is a reasonable planning assumption. Always remember past returns don't guarantee future performance.
To accumulate ₹1 crore at a 12% annual return: in 10 years you'd need about ₹43,000/month; in 15 years about ₹19,000/month; in 20 years about ₹10,000/month; in 25 years about ₹5,300/month. The power of compounding means starting earlier dramatically reduces how much you need to invest each month. Use the StockViz SIP calculator to find your exact number.
SIP is generally preferred for salaried investors because it uses rupee cost averaging — you buy more units when markets are low and fewer when markets are high, reducing the impact of market timing. Lumpsum works better when you have a large amount and markets are at a low point. For most Indian retail investors, monthly SIP in equity mutual funds is the recommended approach for long-term wealth creation.
Yes, most mutual fund SIPs in India can be paused or stopped at any time without penalty, unlike PPF or fixed deposits. You can also increase or decrease the SIP amount. The flexibility makes SIPs ideal for salaried individuals whose income may change. Stopping a SIP doesn't affect the units you've already accumulated — they remain invested until you redeem.
For equity mutual fund SIPs held over 1 year: gains above ₹1 lakh per financial year are taxed at 10% LTCG (Long Term Capital Gains). Since each SIP instalment has its own holding period, gains from each instalment are calculated separately. Units held less than 12 months attract 15% STCG (Short Term Capital Gains). For debt funds (held 3+ years), indexation benefits apply — LTCG taxed at 20% with indexation.
Start Calculating Your SIP Returns
Use the free StockViz SIP calculator — no account, no ads, no friction.