SIP Calculator
Calculate SIP returns, lumpsum growth, and goal-based SIP for Indian mutual funds. Compare returns at 8%, 12%, 15%, 18% with interactive charts.
โ Free ยท No sign-up ยท Works in browserLast updated: April 2026 ยท Tested on Chrome, Firefox, Edge, SafariUse SIP Calculator
Calculate SIP & lumpsum returns, plan your goals, and discover top mutual funds โ all in one place.
SIP Details
Quick presets
Total Invested
โน12.00 L
Est. Returns
โน11.23 L
Total Corpus
โน23.23 L
Invested vs Returns
โน12.00 L
โน11.23 L
โน23.23 L
Corpus Growth Over 10 Years
Return Comparison ย ยทย 10 Yearsat โน10,000/mo
| Rate | Invested | Returns | Total Corpus | Gain |
|---|---|---|---|---|
| 8% | โน12.00 L | โน6.42 L | โน18.42 L | 53% |
| 12%selected | โน12.00 L | โน11.23 L | โน23.23 L | 94% |
| 15% | โน12.00 L | โน15.87 L | โน27.87 L | 132% |
| 18% | โน12.00 L | โน21.63 L | โน33.63 L | 180% |
Top Mutual Funds to Start SIP
Historical returns only โ past performance is not indicative of future results
| Fund | Type | 1Y | 3Y | 5Y | Risk | Invest |
|---|---|---|---|---|---|---|
| Mirae Asset Large Cap Fund | Large Cap | 18.4% | 14.2% | 16.8% | Moderate | |
| Axis Bluechip Fund | Large Cap | 16.2% | 12.8% | 15.4% | Moderate | |
| Parag Parikh Flexi Cap Fund | Flexi Cap | 22.1% | 18.6% | 21.3% | Moderate | |
| Axis Midcap Fund | Mid Cap | 24.8% | 20.1% | 22.6% | High | |
| Kotak Emerging Equity Fund | Mid Cap | 26.3% | 21.4% | 23.8% | High | |
| SBI Small Cap Fund | Small Cap | 28.9% | 22.3% | 26.1% | Very High | |
| Axis Long Term Equity (ELSS) | ELSS | 17.6% | 14.9% | 17.2% | Moderate | |
| UTI Nifty 50 Index Fund | Index | 15.8% | 13.1% | 15.7% | Moderate |
Disclaimer: Returns shown are illustrative and based on assumed constant rates of return. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This calculator does not constitute financial advice โ consult a SEBI-registered investment advisor.
How to Use SIP Calculator
Select your calculation mode at the top: SIP Mode calculates how much your fixed monthly investment will grow over time; Lumpsum Mode calculates the future value of a one-time investment; Goal-Based Mode calculates how much you need to invest monthly to reach a specific target corpus.
Enter your investment amount. In SIP mode, enter your monthly SIP amount in rupees (e.g. โน5,000). In Lumpsum mode, enter the one-time investment amount. In Goal-Based mode, enter your target corpus (e.g. โน50,00,000 for a โน50 lakh goal). Use the preset buttons for quick amounts.
Set the expected annual return rate using the slider or type directly. For reference: debt/liquid funds typically return 6โ8%, balanced funds 10โ12%, large-cap equity funds 12โ14%, and mid/small-cap funds 15โ18% historically. SEBI mandates that all mutual fund advertisements use past returns and warn that future returns are not guaranteed.
Enter the investment time horizon in years. SIP returns are highly sensitive to time due to compounding โ the same โน10,000 per month at 12% grows to โน23 lakh in 10 years but โน99 lakh in 20 years. The longer the horizon, the more powerful the compounding effect becomes.
Read the 3 summary cards: Total Amount Invested, Estimated Returns, and Final Corpus. The corpus growth chart shows year-by-year growth. Use the rate comparison table (8% / 12% / 15% / 18%) to see how sensitive your outcome is to return assumptions, and browse the Top Mutual Funds section for SEBI-registered fund options.
You Might Also Like
ROI Calculator
Calculate return on investment with detailed analysis, charts, and scenario comparisons.
Loan EMI Calculator
Calculate monthly EMI for home, car, and personal loans with amortization schedule.
Tax Calculator
Calculate your income tax instantly for India (Old/New regime) and USA. Get slab-wise breakdown, effective tax rate, and TDS estimate.
About SIP Calculator
AWE-OS SIP Calculator is a free online tool for Indian investors to estimate the future value of Systematic Investment Plan (SIP) contributions in mutual funds. It supports three calculation modes โ standard SIP (monthly investment to corpus), Lumpsum (one-time investment growth), and Goal-Based (required monthly SIP to reach a target amount) โ making it suitable for a wide range of investment planning scenarios from retirement savings to children's education funds. The calculator uses the standard compound interest formula endorsed by AMFI (Association of Mutual Funds in India): FV = P ร [(1 + r)^n โ 1] รท r ร (1 + r), where monthly compounding reflects rupee-cost averaging. Results include Total Invested, Estimated Returns, and Final Corpus alongside a year-by-year growth chart and a rate sensitivity table comparing outcomes at 8%, 12%, 15%, and 18% annual returns. SIP projections assume constant annual returns and full reinvestment. As mandated by SEBI, mutual fund investments are subject to market risks and past performance does not guarantee future returns. Consult a SEBI-registered investment advisor before making investment decisions.
Key Features
- โฆThree calculation modes: SIP (monthly to corpus), Lumpsum (one-time growth), and Goal-Based (target-to-monthly SIP)
- โฆYear-by-year corpus growth chart with area visualization for easy trend understanding
- โฆRate sensitivity table comparing results at 8%, 12%, 15%, and 18% annual returns simultaneously
- โฆDisplays Total Invested, Estimated Returns, and Final Corpus in Indian number format (lakhs/crores)
- โฆSupports investment horizons from 1 to 40 years and monthly amounts from โน500 upward
- โฆSEBI-compliant disclaimer and AMFI-aligned formula for accurate mutual fund projections
Who Should Use This Tool
- โSalaried professionals planning monthly SIP contributions for retirement corpus calculation over 20โ30 year horizons
- โParents calculating the monthly SIP amount required today to fund their child's higher education in 15โ18 years
- โFirst-time investors in India comparing equity mutual fund SIP growth against FD and PPF alternatives
- โNRIs planning lumpsum investments in Indian mutual funds through NRE/NRO accounts for wealth creation
How to Use SIP Calculator
- Select your calculation mode: 'SIP' for monthly investment to corpus, 'Lumpsum' for one-time investment, or 'Goal' to find required monthly SIP for a target
- Enter the relevant amount โ monthly investment for SIP, principal for Lumpsum, or target corpus for Goal mode
- Set the investment duration in years and the expected annual return rate (historical long-term equity mutual fund returns in India: 12โ15%)
- Click 'Calculate' to see the corpus breakdown with Total Invested, Returns Earned, and Final Corpus
- Review the year-by-year growth chart and rate sensitivity table to understand how different return scenarios affect your corpus
Why Choose AWE-OS SIP Calculator
- โThree calculation modes in one tool โ most SIP calculators only offer standard SIP; our Goal-Based mode helps you work backwards from a target corpus, which is essential for goal-based financial planning
- โRate sensitivity table shows corpus at 8%, 12%, 15%, and 18% simultaneously โ no need to recalculate manually for different market scenarios
- โIndia-first design: Indian number formatting (โน lakhs and crores), AMFI-aligned formula, SEBI-mandated disclaimers, and a return range calibrated to Indian mutual fund historical data
Frequently Asked Questions
What annual return rate should I use for SIP calculation in India?
For long-term equity mutual fund SIPs (10+ years), Indian markets have historically delivered 12โ15% CAGR. Large-cap funds have averaged 10โ12%, mid-cap funds 13โ16%, and small-cap funds 14โ18% over 15-year periods, though with higher volatility. Conservative investors can use 8โ10% for debt-oriented or balanced funds. It is prudent to run projections at 10%, 12%, and 15% to understand the range of outcomes, which is why our rate sensitivity table shows all four scenarios simultaneously.
Is SIP better than a Fixed Deposit (FD) for long-term savings in India?
For long-term goals (7+ years), equity mutual fund SIPs have historically outperformed FDs significantly. A 15-year SIP at 12% grows more than twice as fast as an FD at 6.5โ7%. However, SIP returns are market-linked and not guaranteed, while FD returns are fixed and guaranteed by the bank (up to โน5 lakh per bank per depositor under DICGC insurance). SIPs are suitable for wealth creation goals where you can tolerate short-term market volatility. FDs are better for capital preservation and short-term goals.
How much SIP should I start with as a beginner in India?
SEBI and AMFI allow SIP investments starting from โน100โโน500 per month, depending on the fund. A common beginner rule is to invest at least 20% of your monthly income in SIPs. For example, on a โน50,000 monthly salary, a โน10,000 SIP in a diversified equity mutual fund started at age 25 and continued for 30 years at 12% annual returns would grow to approximately โน3.5 crore โ nearly 29ร the total invested amount of โน36 lakh. Start with whatever you can afford consistently and increase by 10โ15% every year using the Step-Up SIP feature offered by most AMCs.
Honest limitation: Projections assume a constant return rate โ real mutual fund returns vary year to year and are not guaranteed.
Tips & Best Practices for SIP Calculator
- ๐กUse the Goal-Based mode to work backwards from your target corpus โ enter the amount you need (e.g., โน50 lakh for education in 15 years) and the tool calculates the exact monthly SIP required at your expected return rate.
- ๐กRun your calculation at 10%, 12%, and 15% return rates simultaneously using the sensitivity table โ this shows you a realistic range of outcomes and helps you plan for lower-than-expected market returns.
- ๐กIncrease your SIP amount by 10-15% each year using the Step-Up SIP feature offered by most mutual fund AMCs โ a โน5,000 SIP growing at 10% annually produces nearly 2x the corpus of a flat โน5,000 SIP over 20 years.
- ๐กUse the SIP calculator alongside the PPF and FD calculators to compare the after-tax returns on equity SIP vs debt instruments for the same investment period and amount.
- ๐กFor SIPs started after April 1 (start of Indian financial year), add an extra month of investment to your duration calculation to account for the first investment in the new financial year.
- ๐กAlways check your actual fund's NAV history to compare the historical CAGR of your chosen fund against the return rate you are assuming in the SIP calculator โ past performance is not guaranteed but provides useful context.
Common Mistakes to Avoid with SIP Calculator
- โAssuming a fixed 15% or 18% annual return as your base case โ Indian equity mutual funds have historically delivered 12-15% CAGR over long periods, but individual years can be -30% to +50%. Use 10-12% as a conservative planning rate.
- โCalculating SIP maturity without accounting for inflation โ if your goal is โน1 crore in 20 years, that โน1 crore will have the purchasing power of about โน45-55 lakh in today's money at 3% inflation. Plan for inflation-adjusted goals.
- โStopping SIP during market downturns โ market corrections are precisely when SIP's rupee-cost averaging works best by buying more units at lower prices. Stopping SIP during corrections reduces long-term returns significantly.
- โTreating the SIP calculator result as a guaranteed outcome โ all SIP return projections are mathematical estimates based on assumed rates. Actual returns depend on fund performance and market conditions.
- โStarting a SIP without having an emergency fund in place โ if you face a financial emergency and must stop or redeem your SIP early, you may incur exit loads and miss the compounding benefit. Maintain 3-6 months of expenses as liquid savings before starting a SIP.
- โIgnoring expense ratio โ a fund with 1.5% expense ratio versus 0.5% expense ratio (direct plan) produces significantly different final corpus over 20 years. Use direct plans through AMC websites or platforms like Coin or Kuvera.
Frequently Asked Questions
What is the difference between SIP and lumpsum investment?
What expected return rate should I use for the SIP calculator?
How does the Goal-Based SIP calculator work?
Are the return rates of 8%, 12%, 15%, 18% realistic for Indian mutual funds?
Are SIP return projections in this calculator exact?
When is the best time to start a SIP?
Built & maintained by Team AWE-OS
This tool is developed in-house and manually re-tested on Chrome, Firefox, Edge, and Safari after every update, following our tool testing policy. Found a bug? Tell us โ fixes are usually shipped within days.