SIP Return Calculator 2026
Instantly calculate the future value of your monthly SIP investments. A free tool to estimate the wealth gained, total invested amount and maturity value of a Systematic Investment Plan.
SIP Growth Projection
Enter your SIP details to calculate maturity value
The fixed amount you plan to invest every month through the SIP.
The estimated annual rate of return, typically 10-14% for equity mutual funds.
Your SIP Growth Estimate
Maturity value and wealth gained breakdown
Enter your SIP details above and click Calculate SIP Returns to reveal your projected maturity value.
Expected Return Benchmarks
Quickly reference typical long-term return ranges by fund category before setting your expected return assumption.
| Fund Category | Typical Return Range | Risk Level |
|---|---|---|
| Equity Mutual Funds | 10% – 14% p.a. | High |
| Hybrid / Balanced Funds | 8% – 11% p.a. | Moderate |
| Debt Mutual Funds | 6% – 8% p.a. | Low |
| Index Funds | 9% – 12% p.a. | Moderate-High |
SIP Calculator FAQ
Everything you need to know about SIP investing, compounding growth, and estimating your future returns.
A SIP is a method of investing a fixed amount of money into a mutual fund at regular intervals, typically monthly, rather than investing a lump sum all at once. It allows investors to build wealth gradually while benefiting from rupee cost averaging and the power of compounding.
A SIP calculator estimates the future value of your monthly investments using a compound interest formula that accounts for the monthly contribution, the expected rate of return, and the investment duration. It projects the total invested amount, the estimated wealth gained, and the final maturity value.
Expected returns vary depending on the type of fund. Equity mutual funds have historically returned in the range of 10-14% per annum over the long term, hybrid funds tend to fall in the 8-11% range, and debt funds typically return 6-8% per annum, though actual returns are never guaranteed and depend on market performance.
Yes, compounding has a significant impact over longer time horizons. Because each month’s returns are reinvested and go on to generate further returns, the wealth gained from a SIP tends to accelerate considerably in the later years of a long-term investment, compared to the earlier years.
Neither approach is universally better. SIP spreads investment across market cycles, which can reduce the impact of short-term volatility and doesn’t require a large amount of capital upfront. A lump sum can perform better in a consistently rising market, but carries more timing risk. The right choice depends on an individual’s cash flow and risk tolerance.
Yes, gains from a SIP are subject to capital gains tax based on the holding period of each individual instalment and the type of fund. Equity fund gains and debt fund gains are typically taxed under different rules, so it is worth checking the current tax treatment applicable to your specific fund type.