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SIP Returns Calculator India 2026
Reviewed by FinMandi Research Team · Standard compounding formula · Cross-checked against published bank calculator results
Calculate your SIP corpus, wealth gained, and years to your money goals. Switch to Step-up SIP to see how raising your investment every year changes the outcome, or turn on inflation adjustment to see what it's really worth.
iThe fixed amount you invest every month into your mutual fund SIP.
₹
₹10,000
₹500₹2L
iLong-term equity mutual funds in India have historically returned roughly 10–14% a year. Returns are never guaranteed.
%
12%
6%20%
iThe number of years you plan to keep investing without withdrawing.
yrs
15 yrs
1 yr40 yrs
Total Corpus
₹0
Adjusted for 6% inflation, that's worth about ₹0 in today's money.
Amount Invested
₹0
Wealth Gained
₹0
Total Corpus ₹0 · Invested ₹0 · Gained ₹0 · Multiplier 0x
Invested ₹0
Gained ₹0
Corpus Growth Over Time CorpusStep-upInvested
Adjust for inflationShow what your corpus is worth in today's rupees, assuming 6% inflation
Wealth Multiplier
0x
Years to Reach Your Targets (at current SIP)
₹10 Lakh
—
years
₹25 Lakh
—
years
₹50 Lakh
—
years
₹1 Crore
—
years
How this is calculated

Each month's SIP instalment is assumed to grow at your chosen annual return, compounded monthly, until the end of your investment period. In Step-up mode, the monthly instalment itself increases by your chosen percentage at the start of each year.

The "Wealth Gained" figure is simply your projected corpus minus the total amount you actually invested. This is an illustrative projection, not a guarantee — actual mutual fund returns fluctuate with the market.

Now pick funds that can actually deliver this
A calculator only shows the maths — the fund you choose decides whether you get there. See FinMandi's reviewed SIP picks across flexi cap, mid cap and index categories.
See Best SIP Plans → ₹1 Cr SIP Guide
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Frequently Asked Questions
A SIP calculator estimates the future value of a Systematic Investment Plan by projecting monthly contributions and an assumed annual return over a chosen period. It shows the total corpus, the amount you invested, and the wealth gained from compounding.
In a step-up SIP you increase your monthly investment by a fixed percentage every year, usually in line with salary growth. Because contributions rise over time, a step-up SIP can build a meaningfully larger corpus than a flat, regular SIP over the same period.
Equity mutual funds in India have historically delivered roughly 10 to 14 percent annualised over long periods, though this varies by fund category and market cycle. A conservative estimate of 10 to 12 percent is a reasonable planning assumption; returns are never guaranteed.
No. SIP is a method of investing a fixed amount at regular intervals into mutual funds, which are market-linked. Returns depend on the performance of the underlying fund and are not guaranteed or fixed.
A large corpus decades from now will not have the same purchasing power as it does today. Adjusting for an assumed inflation rate shows what your future corpus would be worth in today's rupees, which is more useful for goal planning.
Now pick funds that can deliver it.
Top-rated SIP plans reviewed — flexi cap, mid cap and index picks.
See best SIP plans →
FinMandi may earn a referral commission if you apply via some links — rankings are never paid.

⚠️ Disclaimer: Results are indicative and for informational purposes only, based on the return rate you enter. Actual mutual fund returns fluctuate with the market and are never guaranteed. FinMandi is an independent information platform — not a bank, NBFC, insurer, or SEBI-registered investment adviser. Always verify figures with your fund's official calculator and consult a qualified advisor before investing.

Total Corpus
₹0
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