Is the 12% return guaranteed?

No. Mutual fund SIP returns are market-linked and not guaranteed. 12% is only an example rate many investors use for long-term equity planning. Your actual returns can be higher or lower.

Is SIP better than FD?

Neither is universally “better”—they solve different needs. Bank FDs offer a fixed, known rate (subject to bank/NBFC risk and DICGC limits on deposits) and suit short, defined goals. SIPs in mutual funds are market-linked: historically, diversified equity has often beaten inflation over long periods, but you can face volatility and loss of capital. Many people use FDs for emergency funds and near-term certainty, and SIPs for long-term wealth building. Compare numbers with our FD calculator and read our SIP vs FD guide for a structured comparison.

Is SIP safe in India?

Mutual funds in India are regulated by SEBI; AMCs must follow disclosure and valuation rules. That reduces certain operational risks but does not remove market risk: NAVs move up and down, and you can get back less than you put in. “Safe” in the sense of a fixed, guaranteed return is not how equity SIPs work. Use only SEBI-registered intermediaries, read scheme documents, and align risk with your goal horizon.

What return can I expect from SIP?

No one can promise a future return. Long-term equity SIPs have seen a wide range of outcomes depending on period, fund, and market conditions; debt-oriented options are generally steadier but still not guaranteed. This calculator lets you model scenarios (e.g. 8%, 10%, 12%)—treat them as assumptions, not forecasts. Past performance is not indicative of future results; verify current tax rules before investing.

Can I stop or pause my SIP?

Yes. SIPs can usually be paused or stopped as per your AMC or platform rules. There is typically no penalty for stopping future instalments; check exit loads or charges on redemption separately.

SIP vs lump sum: which is better?

SIP spreads entries over time (rupee-cost averaging), which many prefer in volatile markets. Lump sum can do better if invested near a low point, but timing is hard. Many people combine both.

Are SIP returns taxable?

Gains on mutual funds are generally taxable when you redeem. Rules and rates for equity vs debt funds and for LTCG vs STCG change over time—verify the current Income Tax Act provisions or consult a CA before acting.

What is a step-up SIP?

A step-up (top-up) SIP increases your instalment by a set amount or percentage each year—useful if your income rises. It can grow your final corpus versus a flat SIP if you maintain the increases.

What is the minimum SIP amount?

Many mutual funds in India allow SIPs from ₹500 per month; some may offer lower or higher minimums. The amount depends on the scheme and platform, not this calculator.

Does this SIP calculator include inflation?

No. It shows nominal maturity at the expected return you enter. Inflation reduces purchasing power; for a rough “real” view, try a lower expected return or use separate inflation assumptions with professional advice.

Is SIP only for mutual funds?

The term SIP is most often used for mutual funds, but the same idea—regular automatic investing—exists for other products. This calculator models a steady monthly investment at a constant expected return.

What if I miss a SIP instalment?

A missed instalment usually does not cancel your SIP; later instalments continue if your bank mandate and balance allow. Too many failures can pause the SIP—check with your bank and AMC.

Why do different SIP calculators show different results?

Assumed return, rounding, and formula differ. Some use start-of-month instalments (slightly higher FV), others end-of-month like this tool. Always check which convention a calculator uses.

SIP Calculator

Estimate returns on monthly SIP. Enter amount, expected return % and years.

Gratuity PPF EPF / PF EMI SIP FD NPS Income Tax HRA Age GST Percentage BMI

How to use this calculator

1
Enter monthly SIP amount
Enter how much you plan to invest every month (e.g. ₹5,000 or ₹10,000).
2
Set expected return and duration
Choose an expected annual return rate (e.g. 12% for equity) and the number of years you plan to invest.
3
View estimated maturity
See total invested, estimated gains, and maturity amount. Compare multiple scenarios with different rates for a realistic range.

Monthly investment (₹)

₹

Expected return (p.a.) %

Years

yrs

SIP result

Total invested₹ 12,00,000

Estimated returns₹ 11,00,387

Maturity amount₹ 23,00,387

Returns are not guaranteed. Use expected return only as an estimate. Past performance is not indicative of future results.

Quick answer

Example using this calculator’s formula: ₹5,000 per month for 10 years at 12% expected return → about ₹11.5 lakh maturity (₹6 lakh invested, ~₹5.5 lakh estimated gains). Figures are illustrative, not guaranteed.

SIP (Systematic Investment Plan) means investing a fixed sum regularly—usually every month—into mutual funds or similar plans. Rupee-cost averaging helps: you buy more units when prices are lower and fewer when they are higher, which can smooth out entry over time compared to a single lump-sum bet.

What is this calculator?

This SIP calculator India users see on RealBill estimates the future value of a monthly SIP. Enter monthly amount, an expected annual return (for planning only), and tenure in years. You get total invested, estimated gains, and maturity amount—use it to compare scenarios like SIP calculator ₹5000 per month or a 10 year SIP estimate before you invest.

Formula

Future value of a monthly SIP with payments at the end of each month (same logic as this page’s calculator):

FV = P × [((1 + i)^n − 1) / i]

Where:
• P = Monthly SIP amount
• i = Monthly rate = (Annual return % ÷ 100) ÷ 12
• n = Total months (years × 12)

Some websites multiply by an extra (1 + i) for instalments at the **start** of each month, which gives slightly higher numbers. This tool uses the standard end-of-month assumption.

Example

Monthly SIP: ₹10,000 · Expected return: 12% p.a. · Duration: 15 years Total invested: ₹18,00,000 Estimated returns: ₹31,95,802 Maturity amount: ₹49,95,802 If you raise the SIP to ₹15,000 with the same return and duration: Total invested: ₹27,00,000 Estimated returns: ₹47,93,703 Maturity amount: ₹74,93,703 A higher monthly SIP or longer tenure compounds strongly—always treat the rate as an assumption, not a promise.

Another example

SIP calculator ₹5000 per month for 10 years in India (illustrative): at 12% p.a. expected return, total invested is ₹6,00,000, estimated gains about ₹5,50,193, maturity about ₹11,50,193. If you use 10% instead, the maturity is lower; if markets deliver less than assumed, actual corpus will be smaller. Use our sliders to match your own numbers.

Scenario snapshots

₹5,000 monthly SIP

Run 8%, 10%, and 12% return assumptions to create a realistic range before committing.

Step-up every year

Compare flat SIP vs annual top-up to see how income growth improves long-term corpus.

Goal-linked split

Use separate tenures for education, home down payment, and retirement goals.

Quick comparison (illustrative)

Illustrative 10-year SIP maturity at 12% p.a. (end-of-month instalments, not guaranteed)
Monthly SIP	Total invested	Est. maturity
₹5,000	₹6,00,000	≈ ₹11,50,193
₹10,000	₹12,00,000	≈ ₹23,00,386

Decision guide

Choose this when

✓You want a disciplined monthly investing estimate for long-term goals.
✓You are comparing contribution levels and tenure impact before starting a SIP.
✓You need a baseline scenario before discussing funds with a SEBI-registered advisor.

Pick another route when

•You need guaranteed maturity values for fixed-date liabilities.
•You are evaluating short holding periods where market volatility can dominate outcomes.
•You expect inflation-adjusted projections without running custom scenarios.

Common mistakes to avoid

!Treating expected return as guaranteed rather than illustrative.
!Using one optimistic rate without conservative downside scenarios.
!Stopping SIP during volatility and breaking long-term compounding discipline.

Assumptions and disclaimers

Updated context: FY 2026

•End-of-month SIP instalment convention is used in this calculator.
•Single constant return input is a planning simplification, not a forecast.
•Taxes, fund expenses, and inflation are not explicitly modeled in output.

In practice (India)

People often search for a SIP return calculator with inflation or a “real” return. This page does not adjust for inflation—it shows nominal maturity at the return you enter. For planning, you can run two scenarios: a conservative rate (e.g. 8–10%) and a moderate one (e.g. 10–12%), and discuss goals with a SEBI-registered advisor.

For debt-heavy goals or comparisons, also see our FD calculator and PPF calculator. If you are balancing EMIs with investing, the EMI calculator helps you see monthly outflows alongside your SIP. For a neutral SIP vs fixed deposit comparison, read our SIP vs FD guide.

Benefits

✓Start with as little as ₹500/month in many mutual fund SIPs—no large lump sum required.
✓Rupee-cost averaging can reduce the stress of timing the market versus investing everything at once.
✓Longer tenure and steady contributions let compounding work; small increases in SIP amount add up.
✓Automation builds discipline: once a mandate is set, investing happens on schedule.

Related calculators and guides

Frequently Asked Questions

Is the 12% return guaranteed?: No. Mutual fund SIP returns are market-linked and not guaranteed. 12% is only an example rate many investors use for long-term equity planning. Your actual returns can be higher or lower.
Is SIP better than FD?: Neither is universally “better”—they solve different needs. Bank FDs offer a fixed, known rate (subject to bank/NBFC risk and DICGC limits on deposits) and suit short, defined goals. SIPs in mutual funds are market-linked: historically, diversified equity has often beaten inflation over long periods, but you can face volatility and loss of capital. Many people use FDs for emergency funds and near-term certainty, and SIPs for long-term wealth building. Compare numbers with our FD calculator and read our SIP vs FD guide for a structured comparison.
Is SIP safe in India?: Mutual funds in India are regulated by SEBI; AMCs must follow disclosure and valuation rules. That reduces certain operational risks but does not remove market risk: NAVs move up and down, and you can get back less than you put in. “Safe” in the sense of a fixed, guaranteed return is not how equity SIPs work. Use only SEBI-registered intermediaries, read scheme documents, and align risk with your goal horizon.
What return can I expect from SIP?: No one can promise a future return. Long-term equity SIPs have seen a wide range of outcomes depending on period, fund, and market conditions; debt-oriented options are generally steadier but still not guaranteed. This calculator lets you model scenarios (e.g. 8%, 10%, 12%)—treat them as assumptions, not forecasts. Past performance is not indicative of future results; verify current tax rules before investing.
Can I stop or pause my SIP?: Yes. SIPs can usually be paused or stopped as per your AMC or platform rules. There is typically no penalty for stopping future instalments; check exit loads or charges on redemption separately.
SIP vs lump sum: which is better?: SIP spreads entries over time (rupee-cost averaging), which many prefer in volatile markets. Lump sum can do better if invested near a low point, but timing is hard. Many people combine both.
Are SIP returns taxable?: Gains on mutual funds are generally taxable when you redeem. Rules and rates for equity vs debt funds and for LTCG vs STCG change over time—verify the current Income Tax Act provisions or consult a CA before acting.
What is a step-up SIP?: A step-up (top-up) SIP increases your instalment by a set amount or percentage each year—useful if your income rises. It can grow your final corpus versus a flat SIP if you maintain the increases.
What is the minimum SIP amount?: Many mutual funds in India allow SIPs from ₹500 per month; some may offer lower or higher minimums. The amount depends on the scheme and platform, not this calculator.
Does this SIP calculator include inflation?: No. It shows nominal maturity at the expected return you enter. Inflation reduces purchasing power; for a rough “real” view, try a lower expected return or use separate inflation assumptions with professional advice.
Is SIP only for mutual funds?: The term SIP is most often used for mutual funds, but the same idea—regular automatic investing—exists for other products. This calculator models a steady monthly investment at a constant expected return.
What if I miss a SIP instalment?: A missed instalment usually does not cancel your SIP; later instalments continue if your bank mandate and balance allow. Too many failures can pause the SIP—check with your bank and AMC.
Why do different SIP calculators show different results?: Assumed return, rounding, and formula differ. Some use start-of-month instalments (slightly higher FV), others end-of-month like this tool. Always check which convention a calculator uses.

Returns are estimated and not guaranteed. Past performance of mutual funds is not indicative of future results. Tax rules change; verify with official sources or a CA. Please consult a SEBI-registered investment adviser for personal advice.