Free SIP calculator for mutual fund investments. Enter your monthly SIP, expected return, and tenure — instantly see total invested, estimated returns, and the final corpus you'll build.
The SIP calculator uses the standard future value of an annuity-due formula. You contribute a fixed amount each month, and assuming a constant rate of return, the calculator projects the corpus you'd accumulate at the end of your chosen tenure.
FV = P × [((1+r)n − 1) / r] × (1+r)
| Year | Invested | Estimated Value |
|---|---|---|
| 5 | ₹6,00,000 | ~₹8,24,000 |
| 10 | ₹12,00,000 | ~₹23,23,000 |
| 15 | ₹18,00,000 | ~₹50,46,000 |
| 20 | ₹24,00,000 | ~₹99,91,000 |
| 25 | ₹30,00,000 | ~₹1.89 Cr |
SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. The calculator uses the future value of annuity-due formula to estimate your final corpus.
Historical long-term equity mutual fund returns in India are around 11–13% per annum. Use 10% conservatively, 14% optimistically. Debt funds typically 6–8%. Past returns don't guarantee future performance.
No. Mutual fund returns are market-linked. The calculator assumes a constant rate — actual returns will vary based on market performance.
Equity LTCG (held > 1 year) is taxed at 12.5% above ₹1.25 lakh/year. Equity STCG at 20%. Debt fund gains taxed at slab rate. ELSS funds qualify for 80C up to ₹1.5L under Old Regime.
Your returns earn returns. ₹10,000/month at 12% for 10 years = ~₹23L; for 20 years = ~₹99L; for 30 years = ~₹3.5 Cr. Time multiplies wealth exponentially.
CA Swapnil Soni offers tax-efficient mutual fund advisory — pick the right funds for your goals, not just the ones with the highest ads.
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