TopToolsAiProject the future value of a monthly SIP (Systematic Investment Plan) in India based on your monthly investment, expected return rate, and time period. Investing ₹5,000 a month for 15 years at an assumed 12% annual return grows to roughly ₹25 lakh, of which only ₹9 lakh was actually contributed — the rest is compounding, which is the whole appeal of starting a SIP early.
Last updated: 1 Sep 2026
How to use India SIP Calculator
- Enter your monthly SIP investment, expected annual return, and investment period in years.
- Click "Calculate" to see your maturity value and total gains.
Frequently asked questions
What return rate should I use?
Many equity mutual funds in India have historically averaged around 10-12% annually over the long term, though this isn't guaranteed and varies by fund.
Does this account for expense ratio or exit load?
No — this is a gross projection. Fund fees would slightly reduce your actual net returns.
What is rupee cost averaging in a SIP?
By investing a fixed amount regularly regardless of market price, you automatically buy more units when prices are low and fewer when high, smoothing out volatility over time.
Is SIP the same as a mutual fund?
No — SIP is a way of investing (regular fixed installments) into a mutual fund; the mutual fund is the actual investment product itself.
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