📈 Free Tool · Updated September 2026

SIP Returns Calculator

Find out how much your monthly SIP can grow into — in 5, 10, 15 or 20 years.

Illustrations at AMFI standard rates: 8% · 10% · 12% p.a. | Not a guarantee of returns.

Adjust Your SIP
₹500₹1 Lakh
1 Yr30 Yrs
📈 Step-Up SIP (increase every year)
0%25%

Your monthly SIP increases by this % every year — e.g. a normal salary hike — so you start smaller and grow into a bigger SIP over time.

⏸️ Limit SIP to Fewer Years
1 Yr30 Yrs

After this many years, you stop adding new money — but your corpus stays invested and keeps growing until the full Investment Duration above.

8%
Conservative
10%
Moderate
12%
Aggressive
6%15%
Note: 12% p.a. is the AMFI standard illustration rate. Actual mutual fund returns vary by fund, category, and market conditions. Past returns are not indicative of future performance.
Your SIP Results
Total Invested
—
Est. Returns
—
Total Corpus
—
Invested Returns gained
— —
💡 Wealth Multiplier
Your money grows —x
Ready to Start Your SIP?

Talk to Deepak Gokul, CWM® · Founder, Deepak Wealth Framework

📞 Call Now

📊 Year-by-Year Growth Projection

Invested Corpus Value

⚖️ Return Scenario Comparison — Same SIP, Different Rates

8%
Conservative
Estimated Corpus
—
Invested: — Returns: —
10%
Moderate
Estimated Corpus
—
Invested: — Returns: —
12%
Aggressive
Estimated Corpus
—
Invested: — Returns: —

*Scenario comparison uses your current SIP amount and duration. Returns are illustrative only.

📋 Year-by-Year Breakdown

Year Total Invested Returns Earned Corpus Value

💡 How SIP Compounding Works

📅

Step 1 — Invest Monthly

Every month, a fixed amount is auto-debited and invested in your chosen mutual fund. So there is no need to time the market.

📈

Step 2 — Units Accumulate

So your money buys more units when markets fall (rupee cost averaging) and fewer when markets rise — smoothing out volatility.

🚀

Step 3 — Compounding Grows Wealth

So returns on your returns create exponential growth. The longer you stay invested, the more compounding works in your favour.

❓ Frequently Asked Questions

How does a SIP calculator work?
A SIP calculator uses the compound interest formula to compute how a fixed monthly investment grows over time. So it factors in your monthly SIP amount, investment duration in years, and expected annual return rate to calculate the total invested amount, estimated returns, and final corpus value.

What is the AMFI standard SIP illustration rate?
AMFI (Association of Mutual Funds in India) commonly uses illustration rates of 8%, 10%, and 12% per annum for SIP projections. So these are for illustration purposes only and do not guarantee actual returns. Equity mutual fund returns vary based on market conditions and fund performance.

What is a good SIP amount to start with?
There is no universal answer, it depends on your income, goals and existing commitments. So a common guideline is to start with an amount you are comfortable investing consistently, and increase it over time as your income grows, using a Step-Up SIP if helpful.

What is the minimum SIP amount in India?
Most mutual funds in India allow SIPs starting from ₹500 per month. Also, some fund houses offer SIPs from as low as ₹100 per month. There is no upper limit on the SIP amount you can invest.

Is SIP better than a lump sum investment?
SIP offers the advantage of rupee cost averaging, buying more units when markets fall and fewer when markets rise, which reduces the impact of market volatility. However, a lump sum can work better when markets are at a low point. For most retail investors, SIP is recommended since it builds discipline and removes the need to time the market.

Can I stop or pause my SIP anytime?
Yes, SIPs in mutual funds are generally flexible and can be paused, stopped or modified, subject to the terms of the specific scheme and the platform you invest through.

What is a Step-Up SIP and how does this calculator show it?
A Step-Up SIP increases your monthly investment by a fixed percentage every year, so it grows in line with your income. Turn on "Step-Up SIP" above and set your annual increase — the calculator then shows your year-by-year rising SIP amount and the extra corpus it builds compared to a flat SIP.

Can I invest SIP for fewer years than my full goal duration?
Yes. Turn on "Limit SIP to Fewer Years" above and set how many years you actually want to contribute — for example, 5 years of SIP with your money then staying invested and compounding for a further 10 years, without any new contributions. This calculator shows exactly what that builds up to.

This information is for general education only and does not constitute investment advice. Mutual Fund investments are subject to market risk, please read all scheme related documents carefully before investing. Deepak Gokul holds the CWM® certification and is an IRDAI Licensed Insurance Advisor. His firm, Deepak Wealth Framework Pvt Ltd, is AMFI Registered as a Mutual Fund Distributor (ARN-328771).

Meet Your Advisors

Deepak Gokul, CWM, Founder of Deepak Wealth Framework, Chennai

Deepak Gokul, CWM®

Chartered Wealth Manager (CWM®) · NISM-Series-XVII: Retirement Adviser Certified · IRDAI Licensed Insurance Advisor · Founder, Deepak Wealth Framework

Deepak Wealth Framework Pvt Ltd — AMFI Registered Mutual Fund Distributor | ARN-328771

Deepak Gokul specialises in goal-based financial planning, child education planning, SIP investments, mutual fund advisory, and retirement planning for families across the globe. With his Chartered Wealth Manager (CWM®) certification and specialised training in retirement advisory, Deepak helps clients build long-term wealth through structured, disciplined financial planning.

📞 +91 91763 40301 | 🌐 deepakwealth.com | 💼 LinkedIn | ▶ YouTube | 📘 Facebook | 📸 Instagram | ✕ X | ⭐ Google Business Profile

📍 Pallikaranai, Chennai

Dr. Uma Rani, Co-Founder of Deepak Wealth Framework, IRDAI Licensed Insurance Advisor, Chennai

Dr. Uma Rani, BPT

IRDAI Licensed Insurance Advisor (Health, General & Life) · NISM-Series-V-A Qualified (Mutual Fund Distributors) · Co-Founder, Deepak Wealth Framework

Dr. Uma Rani is individually licensed by IRDAI to advise on health, general, and life insurance. As co-founder of Deepak Wealth Framework, she helps families choose the right insurance cover alongside their investment and retirement plans.

🌐 deepakwealth.com | ⭐ Google Business Profile

📍 Pallikaranai, Chennai

Disclaimer: This SIP calculator is for educational and illustration purposes only. It does not constitute investment advice. Returns shown are based on AMFI standard illustration rates (8%, 10%, 12% p.a.) and are not guaranteed. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Deepak Gokul holds the CWM® certification and is an IRDAI Licensed Insurance Advisor. His firm, Deepak Wealth Framework Pvt Ltd, is an AMFI Registered Mutual Fund Distributor (ARN-328771).