SIP Calculator (mutual fund SIP returns)
See what a fixed monthly SIP could grow to over time. Enter the expected yearly return and the number of years.
Quick answer
₹10,000 a month, 12%, 15 years: about ₹50,45,760.
How it is calculated
- Monthly rate i = yearly return ÷ 1,200; instalments n = years × 12.
- Future value = M × ((1+i)ⁿ − 1) ÷ i × (1+i).
- Gain = future value − total invested.
Worked example
₹10,000 a month at an expected 12% a year for 15 years. You invest ₹18,00,000 and it could grow to about ₹50,45,760, a gain of ₹32,45,760.
| Monthly SIP | ₹10,000 |
| Expected return | 12 % / yr |
| Time | 15 years |
| Future value | ₹50,45,760 |
| Invested | ₹18,00,000 |
| Gain | ₹32,45,760 |
Formula
i = R/1200 n = Y×12 F = i==0 ? M×n : M×((1+i)^n-1)/i×(1+i) Future value = F Invested = M×Y×12 Gain = F-M×Y×12
Good to know
- Mutual fund returns are not fixed; 12% is only an example and actual returns can be lower or higher.
- The earlier you start, the more compounding helps.
Questions people ask
How are SIP returns calculated?
Each monthly instalment compounds; this calculator uses the same formula most fund houses show.
Is a 12% return guaranteed?
No. Mutual funds carry market risk, and past returns do not guarantee future ones.
What does a ₹5,000 SIP become in 20 years?
About ₹50 lakh at 12%. Enter your own numbers above.
More calculators
Loan EMIHow much loan for my EMI?Simple interestCompound interest / FDRecurring deposit (RD)CAGRGST add / removeGold jewellery priceLand unit converterPercentagePercent increase / decreaseDiscount / sale priceBill splitTrip fuel costElectricity bill (appliance)Recipe / catering scaleProfit, margin & markupSelling price from marginBreak-evenCash counterCommissionGram ↔ tola, masha, rattiKarat purity & rateSilver valuePlot area (length × width)Irregular plot (4 sides + diagonal)Triangle area (3 sides)Stamp duty & registrationRental yieldHouse construction costConcrete: cement, sand, aggregateBricks for a wallPlaster materialFloor tilesPaint quantitySteel bar (sariya) weightWater tank capacityOhm's law & powerInverter battery backupRooftop solar sizeVoltage drop (copper, 1-phase)Quadratic equationNumber base converterDilution (C₁V₁ = C₂V₂)MolarityIdeal gas (moles)Speed, distance, timeBMIDaily calories (BMR)Daily water intakeMilk payment (fat + SNF)Urea for nitrogenPesticide spray mixMandi sale profitCGPA to percentageMarks percentageAttendance plannerCricket run rateRequired run rate
This page in: हिंदी · मराठी · English
Updated 13 Nov 2026 · Desktop N Calculator v1.2.0