SIP calculator for mutual funds
Enter how much you invest every month, the return you expect and for how many years. See how much you put in, the estimated gains and the estimated value at the end.
Runs in your browser. The amounts you enter are not sent to or stored by EpiFive.
Returns are not guaranteed. Mutual fund returns go up and down with the market; this assumes the same return every month, which never happens in real life. Use it to compare scenarios, not as a promise.
Year-by-year growth
| Year | Invested | Est. value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
How to use it
- Enter your monthly SIP amount, for example
5000. - Enter the annual return you expect. Try a cautious and an optimistic figure.
- Enter the number of years you plan to stay invested.
- Compare the amount invested with the estimated value, and use the yearly table to see how growth speeds up in later years.
Before you invest
- Mutual fund investments are subject to market risks. The figures here are illustrations, not advice or a promise.
- Check the expense ratio, exit load and the fund’s category before you start a SIP.
- A step-up SIP (raising the amount each year with your salary) grows faster than a flat SIP.
Popular SIP amounts
Illustrative values at 8%, 10%, 12% and 15% a year with a year-by-year table. All SIP tables.
- ₹500 a month for 5 years, 10 years, 15 years, 20 years, 25 years
- ₹1,000 a month for 5 years, 10 years, 15 years, 20 years, 25 years
- ₹2,000 a month for 5 years, 10 years, 15 years, 20 years, 25 years
- ₹5,000 a month for 5 years, 10 years, 15 years, 20 years, 25 years
- ₹10,000 a month for 5 years, 10 years, 15 years, 20 years, 25 years
- ₹25,000 a month for 5 years, 10 years, 15 years, 20 years, 25 years
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Questions people ask
How does the SIP calculator work?
It uses the future value of a series of monthly payments made at the start of each month: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the expected annual return ÷ 12 ÷ 100 and n is the number of months. ₹5,000 a month for 10 years at 12% comes to about ₹11,61,695 on ₹6,00,000 invested.
Are SIP returns guaranteed?
No. Equity and hybrid mutual fund returns depend on the market and can be negative over short periods. The calculator assumes the same return every month, which is a simplification. Past returns do not guarantee future returns; read the scheme documents before investing.
What return should I assume?
Use a conservative figure and try a few. Many people model 10–12% for diversified equity funds over long periods, 6–8% for debt funds, and lower for short horizons. Comparing 8%, 10% and 12% shows how sensitive the result is.
Is tax deducted from SIP returns?
Tax applies when you redeem, not while you hold. Equity fund gains are taxed as short-term or long-term capital gains depending on how long each instalment was held, and each SIP instalment has its own holding period. The calculator shows pre-tax values.
Why does a longer SIP grow so much more?
Compounding: returns earn returns. Doubling the period from 10 to 20 years at 12% more than quadruples the final value of a ₹10,000 SIP (about ₹23.2 lakh to about ₹99.9 lakh), even though you only invest twice as much.