SIP Calculator — See What Monthly Mutual Fund Investing Actually Builds
Calculate the future value of your SIP investments. Find out how much your monthly mutual fund contributions will grow over time.
A SIP — Systematic Investment Plan — is the simplest way most people in India invest in mutual funds. You pick an amount, set a date, and it auto-debits every month. Sounds boring. The results, if you stay consistent, are anything but. The CalcHub SIP Calculator shows you exactly what that boring consistency builds over 10, 20, or 30 years.
How SIP Returns Work
Every month you invest a fixed amount into a mutual fund. Those units are bought at whatever the current NAV (Net Asset Value) is. In months when the market is down, you buy more units for the same money. In good months, fewer. This natural averaging — called rupee cost averaging — smooths out market volatility over time.
The expected annualized return for equity mutual funds is often projected at 10-14% for long tenures, though actual results vary.
Using the Calculator
- Monthly SIP amount — what you plan to invest each month
- Expected annual return — conservative estimate: 10-12% for equity funds
- Investment duration — how many years you'll keep investing
- Calculate — see the total invested, estimated returns, and final corpus
What ₹5,000/Month Can Become
| Duration | Total Invested | Est. Returns (12%) | Final Corpus |
|---|---|---|---|
| 5 years | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 10 years | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
| 15 years | ₹9,00,000 | ₹16,14,740 | ₹25,14,740 |
| 20 years | ₹12,00,000 | ₹37,98,000 | ₹49,98,000 |
The SIP Step-Up Strategy
Most people's income grows over time, and their SIP should too. A "step-up SIP" increases your contribution by 10-15% each year. If you start with ₹5,000/month and increase 10% annually, your 20-year corpus jumps dramatically compared to a flat SIP.
The calculator at CalcHub lets you model this if you enter the stepped-up average contribution, or you can run multiple scenarios to see the difference.
What the Calculator Can't Tell You
SIP calculators assume a steady return rate, but mutual funds don't deliver steady returns. Some years are up 30%, others down 20%. The projected number is a long-term average estimate, not a promise. The actual corpus depends on which funds you pick, market conditions over your investment period, and whether you stay invested during crashes (the hardest part).
Don't stop SIPs when the market falls. That's precisely when you're buying more units at a discount.
Is SIP better than a lump sum investment?
It depends on timing and discipline. Lump sum investing can outperform SIP in a consistently rising market. But most retail investors don't have large lump sums ready regularly, and SIP eliminates the temptation to time the market. For most people, SIP wins on behavioral grounds alone.
What return rate should I use in the calculator?
For equity mutual funds with a 10+ year horizon, 10-12% is commonly used. For debt funds, 6-8% is more realistic. Be conservative — if you're pleasantly surprised, great. Planning on 15% and getting 10% is a nasty shock.
Can I pause a SIP temporarily?
Yes, most fund houses allow you to pause SIPs for 1-3 months. It doesn't cancel the investment or affect existing units. Just don't make a habit of it — consistency is the whole point.