InvestSIP

India SIP Calculator

See how your monthly SIP grows over time — total invested vs. maturity value and wealth gained.

Monthly investment

Rs.

Expected return (% p.a.)

Investment period (years)

Maturity value

Rs. 11,61,695

Total invested: Rs. 6,00,000
Wealth gained: Rs. 5,61,695

What you entered

Monthly investment: Rs. 5,000Expected return (% p.a.): 12%Investment period (years): 10

1
Monthly rate from annual rate
r = 12% ÷ 12= 1.0000%
2
Total months of investment
n = 10 × 12= 120 months
3
Total amount invested
Rs. 5,000.00 × 120= Rs. 6,00,000.00
4
Maturity value (FV of annuity due)
P × [(1+r)ⁿ − 1] / r × (1+r)= Rs. 11,61,695.38
5
Wealth gained
Rs. 11,61,695.38 − Rs. 6,00,000.00= Rs. 5,61,695.38

Result

Maturity value: Rs. 11,61,695

Investing Rs. 5,000/month at 12% for 10 years grows to Rs. 11,61,695 — a gain of Rs. 5,61,695 on Rs. 6,00,000 invested.

SIP maturity value at 12% annual return

Each cell is the maturity value of a monthly SIP running for the period in the column heading, assuming a 12% annual return compounded monthly. The last column shows what you actually paid in over 20 years, so the gap is the return.

Monthly SIP	After 5 years	After 10 years	After 15 years	After 20 years	Invested over 20 years
Rs. 1,000	Rs. 82,486	Rs. 2,32,339	Rs. 5,04,576	Rs. 9,99,148	Rs. 2,40,000
Rs. 2,500	Rs. 2,06,216	Rs. 5,80,848	Rs. 12,61,440	Rs. 24,97,870	Rs. 6,00,000
Rs. 5,000	Rs. 4,12,432	Rs. 11,61,695	Rs. 25,22,880	Rs. 49,95,740	Rs. 12,00,000
Rs. 10,000	Rs. 8,24,864	Rs. 23,23,391	Rs. 50,45,760	Rs. 99,91,479	Rs. 24,00,000
Rs. 15,000	Rs. 12,37,295	Rs. 34,85,086	Rs. 75,68,640	Rs. 1,49,87,219	Rs. 36,00,000
Rs. 25,000	Rs. 20,62,159	Rs. 58,08,477	Rs. 1,26,14,400	Rs. 2,49,78,698	Rs. 60,00,000
Rs. 50,000	Rs. 41,24,318	Rs. 1,16,16,954	Rs. 2,52,28,800	Rs. 4,99,57,396	Rs. 1,20,00,000

The last two columns are the argument for starting early: Rs. 10,000 a month for 20 years turns Rs. 24 lakh of contributions into just under a crore, so roughly three quarters of the final figure is return rather than savings. Doubling the period does far more than doubling the SIP - Rs. 5,000 for 20 years beats Rs. 10,000 for 10 years by more than Rs. 26 lakh. 12% is a common long-run assumption for Indian equity funds, not a promise: returns are market-linked, arrive unevenly, and a poor stretch early in the period leaves you well below these figures. Debt funds would use a materially lower rate.

Why SIPs work

SIPs harness rupee cost averaging — you buy more units when prices are low and fewer when prices are high, smoothing out market volatility over the long term instead of betting on a single entry point.

Compounding is the real engine

An SIP of ₹5,000/month at 12% for 20 years invests ₹12 lakh but grows to nearly ₹50 lakh — over 75% of the final value is compounding gains, not your contributions. Starting early matters far more than investing large amounts later.

SIP vs lump sum in India

In volatile markets like Indian equities, SIP reduces timing risk. Lump sum works if the market is at a low point, but nobody can predict that reliably. For salaried individuals, SIP is natural — it aligns with monthly income and builds discipline automatically.

Frequently asked questions

How much will a ₹5,000 SIP grow in 10 years?

At 12% annual return (approximate equity mutual fund average): total invested = ₹6 lakh, maturity value = ₹11.6 lakh, wealth gained = ₹5.6 lakh. At 15%: ₹13.9 lakh. In 20 years at 12%: ₹49.9 lakh on ₹12 lakh invested. Small increases in return rate make enormous differences over long periods.

Which SIP gives the best returns in India?

Historical 10-year returns: equity mutual funds (large-cap) 10–14%, mid-cap funds 12–18%, small-cap 14–22% (with higher risk). Debt funds: 6–8%. Balanced/hybrid: 9–12%. Past returns don't guarantee future performance, but equity SIPs have consistently beaten FDs and PPF over 10+ year horizons in India.

Is SIP tax-free?

Not entirely. Equity mutual fund gains: LTCG above ₹1.25 lakh/year taxed at 12.5% (held >1 year). STCG taxed at 20% (held <1 year). ELSS SIPs qualify for Section 80C deduction up to ₹1.5 lakh. Debt fund gains taxed at your income tax slab rate regardless of holding period (post-2023 rules).