Calculate the maturity value and wealth created from your monthly SIP investment. Includes a year-by-year growth chart and comparison panel for different scenarios.
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Calculate SIP Returns
Top 5 mutual funds by 5-year returns. Pick the one that beats inflation.
| Fund | Category | 5Y CAGR | Your SIP Valueat this fund's return | Expense | |
|---|---|---|---|---|---|
QNT Quant Active Fund TOPHighest 5Y return | Multi Cap | 23.1%p.a. | ₹23.44 Lin 10 yrs | 0.77% | Invest |
NIP Nippon India Small Cap Fund₹30,000 Cr+ AUM | Small Cap | 22.1%p.a. | ₹21.87 Lin 10 yrs | 0.65% | Invest |
SBI SBI Small Cap FundConsistent top performer | Small Cap | 21.9%p.a. | ₹21.58 Lin 10 yrs | 0.68% | Invest |
HDF HDFC Mid Cap Opportunities₹70,000 Cr+ AUM | Mid Cap | 21.4%p.a. | ₹20.91 Lin 10 yrs | 0.73% | Invest |
PPF Parag Parikh Flexi CapGlobal diversification | Flexi Cap | 15.8%p.a. | ₹14.64 Lin 10 yrs | 0.63% | Invest |
Past returns don't guarantee future performance. CAGR shown is historical data as of 2026. Affiliate links — we may earn a commission at no cost to you.
Browse all fundsAll offer free direct mutual funds. Choose the platform that fits your style — and watch that money grow.
| Platform | MF Commission | Funds | Key Feature | Rating | |
|---|---|---|---|---|---|
GRW Groww TOP5 Cr+ investors | Free MF | 5,000+ | Simplest UI for beginners | ★★★★★ | Sign Up |
ZER Zerodha Coin FREE1.3 Cr active clients | Free | 2,200+ | India's largest broker | ★★★★★ | Sign Up |
AGN Angel One MF2 Cr+ users | Free MF | 4,000+ | Free demat + AI-led research | ★★★★☆ | Sign Up |
PYT Paytm Money1 Cr+ SIP accounts | Free MF | 4,500+ | Built-in goal planning | ★★★★☆ | Sign Up |
ETM ET Money50 L+ investors | Free MF | 3,000+ | Smart Deposit + tax-saver flows | ★★★★☆ | Sign Up |
Affiliate links — we may earn a commission at no cost to you. Mutual fund investments are subject to market risk.
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This table shows how your SIP corpus builds year by year. Notice how the returns column overtakes the invested column around year 10 — that's compounding doing the heavy lifting. After year 20, you've invested ₹12 lakh but earned ₹37.9 lakh purely from returns.
| Year | Total Invested | Returns Earned | Corpus Value | Return % |
|---|---|---|---|---|
| Year 1 | ₹60,000 | ₹3,966 | ₹63,966 | 6.6% |
| Year 3 | ₹1,80,000 | ₹35,765 | ₹2,15,765 | 19.9% |
| Year 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 | 37.5% |
| Year 7 | ₹4,20,000 | ₹2,48,571 | ₹6,68,571 | 59.2% |
| Year 10 | ₹6,00,000 | ₹5,50,323 | ₹11,50,323 | 91.7% |
| Year 15 | ₹9,00,000 | ₹16,07,720 | ₹25,07,720 | 178.6% |
| Year 20 | ₹12,00,000 | ₹37,90,455 | ₹49,90,455 | 315.9% |
| Year 25 | ₹15,00,000 | ₹83,58,600 | ₹98,58,600 | 557.2% |
| Year 30 | ₹18,00,000 | ₹1,67,68,310 | ₹1,85,68,310 | 931.6% |
Monthly SIP: ₹5,000 | Annual return: 12% | End-of-month SIP assumed. Results are illustrative — actual mutual fund returns vary based on market conditions and fund selection.
Use this reverse-lookup table to find the monthly SIP needed to reach a target corpus. Starting earlier dramatically cuts the required monthly amount.
| Target Corpus | 10 Years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|
| ₹25 lakh | ₹10,870 | ₹4,988 | ₹2,509 | ₹1,267 |
| ₹50 lakh | ₹21,740 | ₹9,976 | ₹5,018 | ₹2,534 |
| ₹1 crore | ₹43,481 | ₹19,953 | ₹10,037 | ₹5,068 |
| ₹2 crore | ₹86,962 | ₹39,905 | ₹20,073 | ₹10,136 |
| ₹5 crore | ₹2,17,405 | ₹99,763 | ₹50,183 | ₹25,340 |
Monthly SIP required at 12% annual return. Starting 5 years earlier roughly halves the required SIP — every year of delay costs more than most people realise. Use the Goal SIP Calculator to compute your exact number.
SIP vs Lumpsum
Have a large amount to invest now? Use our Lumpsum Calculator to compare returns vs SIP over different horizons.
Increase Your SIP
Align your investments with salary growth using a Step-Up SIP — it can double your corpus vs flat SIP over 20 years.
Target-Based Goals
Set a wealth goal and calculate the exact SIP needed using our Goal SIP Calculator.
Real Returns
Understand long-term wealth with our CAGR Calculator — compute actual compounded annual growth rates.
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SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. You buy fund units at the prevailing NAV, benefiting from rupee cost averaging over time.
Equity mutual funds have historically delivered 12-15% CAGR over long periods (10+ years). Debt funds give 6-8%. Use 12% as a conservative estimate for diversified equity SIP calculations.
FV = P × [(1+r)^n − 1]/r × (1+r), where P = monthly SIP, r = monthly rate (annual rate ÷ 12 ÷ 100), n = number of months. This assumes end-of-month investments.
For long-term goals (7+ years), SIP in equity funds has significantly outperformed FDs historically. But SIP returns are market-linked and not guaranteed, unlike FD returns.
At 12% annual return: Rs 5,500/month for 20 years, Rs 2,600/month for 25 years, or Rs 1,700/month for 30 years. Starting earlier dramatically reduces the required monthly SIP due to compounding. The SIP calculator lets you reverse-engineer the amount needed for any target corpus.
A step-up SIP automatically increases your investment by a fixed percentage each year, typically 10-15% to match salary growth. Over 20 years, a Rs 5,000/month SIP stepped up 10% annually builds a corpus nearly 2x larger than a flat Rs 5,000 SIP. Always use a step-up SIP if your income is growing.
Most mutual funds allow SIPs starting from Rs 100-500/month. Platforms like Groww and Zerodha Coin allow Rs 100 minimums on most large-cap funds. There is no maximum limit. The key is consistency - a small SIP started early outperforms a larger SIP started late.
Equity fund SIP units held over 1 year attract LTCG tax at 12.5% on gains above Rs 1.25 lakh per year. Units held under 1 year are STCG at 20%. Each SIP instalment is treated as a separate investment with its own purchase date for tax purposes.
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Calculate returns from a SIP where you increase your investment amount annually by a fixed percentage.
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Compare SIP vs lumpsum investing — see which builds more wealth, handles market volatility better, and suits your financial situation.