SIP & Mutual Fund Calculator
Plan your financial future with our advanced suite of investment calculators. Support for goal planning, step-up SIPs, and inflation adjustment.
Total Value
Investment Split
Year-wise Growth
| Year | Total Invested | Total Value | Wealth Gain |
|---|---|---|---|
| Year 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| Year 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| Year 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| Year 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| Year 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| Year 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| Year 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| Year 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| Year 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| Year 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
FIRE Insights (Financial Independence)
With a final corpus of ₹11,61,695, assuming a safe withdrawal rate of 4%, you could have a monthly passive income of approx ₹3,872 in retirement.
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How to use SIP Return Calculator
Enter your Monthly Investment Amount (e.g., ₹5,000).
Enter the Expected Annual Return rate (historically 10-15% for Equity Mutual Funds).
Select the Investment Duration in years.
See the magic of compounding: view your total invested amount versus your estimated final wealth.
Why use our SIP Return Calculator?
Compounding Visualizer
Graphically demonstrates how returns on your returns (compounding) dramatically accelerate your wealth accumulation in the later years.
Inflation Adjustment
Helps you understand real returns by comparing your future maturity value against expected inflation rates.
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Lightning Fast
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Frequently Asked Questions
How is SIP return calculated?
SIP returns use the Future Value of an Annuity formula: M = P × ({[1 + i]^n - 1} / i) × (1 + i). Where M is maturity amount, P is monthly investment, n is number of months, and i is the monthly interest rate.
Is 12% a realistic expectation for Mutual Funds?
Historically, large-cap global equity mutual funds and index funds have delivered annualized CAGR returns of 8-12% over long periods. However, market returns are never guaranteed.
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