SIP Calculator — Plan Your Mutual Fund Investments
Free SIP calculator to estimate returns on monthly mutual fund investments. See how compound interest grows your SIP of Rs 500 to Rs 50000 per month over time.
A Systematic Investment Plan is the smartest way to build wealth over the long term in India. By investing a fixed amount every month in mutual funds you benefit from rupee cost averaging which reduces the impact of market volatility and the power of compounding which exponentially grows your money over time. Even a small SIP of Rs 5000 per month at 12% annual returns can grow to Rs 11.6 lakh in 10 years and Rs 50 lakh in 20 years.
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SIP Calculator
Key Information
| Parameter | Details |
|---|---|
| Average Equity Fund Returns | 12% - 15% CAGR (historical) |
| Minimum SIP Amount | Rs 500 per month |
| ELSS Lock-in Period | 3 years |
| Tax Benefit (Section 80C) | Up to Rs 1.5 lakh per year |
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Use Calculator NowFrequently Asked Questions
How much will Rs 5000 SIP grow in 10 years?
A monthly SIP of Rs 5000 at 12% expected annual returns will grow to approximately Rs 11.61 lakh in 10 years. Your total investment would be Rs 6 lakh and the estimated returns would be Rs 5.61 lakh. At 15% returns the same SIP would grow to Rs 13.93 lakh showing the power of even a small difference in returns.
Is SIP better than FD for long term?
For long term goals of 5+ years SIP in equity mutual funds has historically outperformed fixed deposits significantly. While FDs offer guaranteed 6-7% returns SIP in diversified equity funds has delivered 12-15% CAGR over 10+ year periods. However SIP carries market risk and returns are not guaranteed unlike FDs.
When should I start my SIP?
The best time to start a SIP is as early as possible. Starting at age 25 with Rs 5000 per month can build a corpus of Rs 3.5 crore by age 55 at 12% returns. The same SIP starting at age 35 would only reach Rs 1 crore. Every year of delay costs you significantly due to the compounding effect.
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Last updated: 24 March 2026