SIP Calculator — Plan Your Mutual Fund Investments — India 2026
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.
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.
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.
Calculate Now
SIP Calculator
Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
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 |
Start investing with SIP today
Get accurate results instantly — 100% free, no signup required
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.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Is SIP better than lumpsum investment?
SIP invests a fixed amount monthly, averaging out market volatility through rupee cost averaging. Lumpsum works better when markets are low. For most investors, SIP builds discipline and removes the need to time the market.
How much should I invest monthly to become a crorepati?
At 12% expected returns, a monthly SIP of Rs 5,000 for 30 years grows to approximately Rs 1.76 crore. Increasing your SIP by 10% annually makes the corpus even larger. Start early, stay consistent.
Are investment returns taxable?
PPF returns are tax-free. Equity mutual fund LTCG above Rs 1.25 lakh/year is taxed at 12.5%. FD interest is taxed at your slab rate. NPS offers an additional Rs 50,000 deduction under 80CCD(1B).
Related Calculators
More Investment Calculators
Last updated: March 2026