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show_chart SIP Calculator 2026: Mutual Fund SIP Returns

Calculate Systematic Investment Plan Returns & Wealth Growth

Best SIP Calculator India | Mutual Fund Returns
lightbulb Smart Tip: A Systematic Investment Plan (SIP) allows you to invest small amounts regularly in mutual funds. Enter your details below and the results will update automatically on the right.

account_balance_wallet SIP Calculator India: Investment Details

Use our SIP calculator to estimate your mutual fund SIP returns and plan your financial goals for 2026. Adjust the sliders or type values to see real-time results.

Min: ₹500 | Max: ₹10,00,000
₹500 ₹50,000 ₹1,00,000
10 Years
1 Year
3 Years
5 Years
7 Years
10 Years
15 Years
20 Years
25 Years
30 Years
40 Years
Longer duration = Higher returns due to compounding
12% (Equity Mutual Fund)
6% (Debt Fund - Conservative)
8% (Hybrid Fund - Balanced)
10% (Large Cap Equity)
12% (Equity Mutual Fund)
15% (Mid/Small Cap - Aggressive)
Typical: 10-15% for equity funds | 6-8% for debt funds
1% 15% 30%

bar_chart SIP Returns Summary

ParticularsAmount
Monthly SIP₹10,000
Investment Period10 Years
Expected Return Rate12%
Total Amount Invested₹12,00,000
Estimated Wealth Gain₹11,19,872
Total Value at Maturity₹23,19,872
Monthly SIP
10,000
Wealth Gain
93%
52%
48%
₹12,00,000
₹11,19,872
calendar_today Year-wise Growth Breakdown expand_more
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assignment Different SIP Amounts Comparison

info SIP Calculator: Plan Your Mutual Fund Investments

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. It helps in building wealth over time through the power of compounding and rupee cost averaging.

Popular SIP Returns for 10 Years

Monthly SIPInvestment (10Y)Wealth at 12%Wealth at 15%
₹2,000₹2.40 Lakh₹4.64 Lakh₹5.57 Lakh
₹5,000₹6.00 Lakh₹11.60 Lakh₹13.93 Lakh
₹10,000₹12.00 Lakh₹23.20 Lakh₹27.86 Lakh
₹25,000₹30.00 Lakh₹58.00 Lakh₹69.66 Lakh

Benefits of SIP Investment

  • Rupee Cost Averaging: Buy more units when prices are low, fewer when high
  • Power of Compounding: Returns generate returns over time
  • Disciplined Investing: Regular investment habit
  • Flexibility: Start with as low as ₹500/month
  • No Market Timing: No need to time the market

Frequently Asked Questions about SIP Calculator

Find answers to common questions about sip calculator. These FAQs are designed to help you understand key concepts and make informed decisions.

1. What is a SIP Calculator and how it works?

A SIP (Systematic Investment Plan) calculator is a tool that helps you estimate the future value of your mutual fund SIP returns. It shows how your small, regular investments can grow over time with the power of compounding in 2026.

2. How are the returns calculated?

The calculator uses the standard future value formula, taking into account your monthly investment amount, the expected annual rate of return, and the investment duration (in years).

3. What is a realistic expected return rate for SIPs?

Historically, equity mutual funds have delivered returns in the range of 12-15% per annum over the long term. However, past performance is not indicative of future returns. It's advisable to use a conservative rate for planning.

4. Can I use both the slider and manual input?

Yes, our calculator offers both a slider for quick adjustments and a manual input field for precise values, giving you full control over your calculations.

5. Does this calculator guarantee returns?

No, this calculator is a tool for estimation and illustration purposes only. Mutual fund investments are subject to market risks, and the actual returns may vary.

warning Disclaimer

This calculator is for informational and educational purposes only. Mutual fund investments are subject to market risks. The returns shown are estimates based on assumed rates and do not guarantee actual returns. Past performance does not guarantee future results. Please read all scheme-related documents carefully before investing. Consult a SEBI-registered financial advisor for personalized advice.

`;printWindow.document.write(html); printWindow.document.close(); setTimeout(() => { printWindow.print(); }, 250); }function sipExportPDF() { sipPrintComputation(); }function sipExportExcel() { const data = sipLastCalculation; if (!data.monthly) { alert('Please calculate SIP first'); return; }const monthlyReturn = (data.annualReturn / 100) / 12;let csvContent = 'SIP Returns Report\n'; csvContent += 'Generated On,' + new Date().toLocaleDateString('en-IN') + '\n\n'; csvContent += 'Investment Details\n'; csvContent += 'Monthly SIP,' + data.monthly + '\n'; csvContent += 'Investment Period (Years),' + data.years + '\n'; csvContent += 'Expected Annual Return (%),' + data.annualReturn.toFixed(1) + '\n\n'; csvContent += 'Returns Summary\n'; csvContent += 'Total Invested,' + Math.round(data.totalInvested) + '\n'; csvContent += 'Estimated Returns,' + Math.round(data.returns) + '\n'; csvContent += 'Total Value,' + Math.round(data.totalValue) + '\n'; csvContent += 'Wealth Gain (%),' + data.wealthGain.toFixed(1) + '\n\n'; csvContent += 'Year-wise Growth\n'; csvContent += 'Year,Invested,Value,Returns\n';for (let y = 1; y <= data.years; y++) { const months = y * 12; const value = data.monthly * ((Math.pow(1 + monthlyReturn, months) - 1) / monthlyReturn) * (1 + monthlyReturn); const invested = data.monthly * months; const ret = value - invested; csvContent += y + ',' + Math.round(invested) + ',' + Math.round(value) + ',' + Math.round(ret) + '\n'; }csvContent += '\nDisclaimer\nThis is for informational purposes only. Mutual fund investments are subject to market risks.\n';const blob = new Blob([csvContent], { type: 'text/csv' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = 'sip-returns-report-' + data.years + 'Y-' + data.annualReturn + 'pct.csv'; a.click(); URL.revokeObjectURL(url); }// Dropdown z-index fix (reuses same pattern as income-tax-calc) function toggleItDropdown(dropdownId) { const dropdown = document.getElementById(dropdownId); document.querySelectorAll('.custom-dropdown').forEach(d => { if (d.id !== dropdownId) { d.classList.remove('open'); const parentGroup = d.closest('.taxgst-form-group'); if (parentGroup) parentGroup.style.zIndex = ''; } }); dropdown.classList.toggle('open'); const parentGroup = dropdown.closest('.taxgst-form-group'); if (parentGroup) { parentGroup.style.zIndex = dropdown.classList.contains('open') ? '100' : ''; } }// Close dropdowns on outside click document.addEventListener('click', function(e) { if (!e.target.closest('.custom-dropdown')) { document.querySelectorAll('.custom-dropdown').forEach(d => d.classList.remove('open')); document.querySelectorAll('.taxgst-form-group').forEach(fg => fg.style.zIndex = ''); } });// Auto-calculate on page load document.addEventListener('DOMContentLoaded', function() { calculateSIP(); });
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