SIP Calculator
₹10,000 a month — what does it become in 10 years? Enter your SIP, the expected return and the period: maturity value in lakhs, wealth gained, and the honest growth curve.
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Last reviewed: July 20, 2026 · Formulas verified by automated tests before every release.
What the curve is really showing
The dashed line is your money going in; the solid line is what compounding makes of it. In the early years they hug each other — this is where most people quit. The gap that opens later IS the return on patience: in a typical 15-year SIP, more than half the final value arrives in the last five years. The chart makes the case for not stopping better than any advisor.
Honest notes before you invest
- The expected return is your assumption. 12% is the marketing average for equity funds; run 10% too and plan around the range, not the best case.
- Step-up beats amount: increasing the SIP by 10% each year as your salary grows typically adds more than starting bigger.
- Real returns come after inflation: at ~5% inflation, a 12% return builds wealth at ~7% in purchasing power. Still excellent — just honest.
- Mutual fund investments are subject to market risks — this calculator is information, not investment advice.
Frequently asked questions
How is SIP return calculated?
Each monthly instalment compounds from the day it is invested: FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i), where i is the monthly rate and n the number of instalments. ₹10,000/month at 12% for 10 years grows to about ₹23.2 lakh from ₹12 lakh invested.
Is 12% a realistic expected return?
It's the commonly advertised long-term equity fund average — but it's an assumption, not a promise. Markets deliver it unevenly, with negative years along the way. Running the calculator at a conservative 10% alongside 12% shows how sensitive the result is to that guess.
What is the difference between SIP and lumpsum?
SIP invests a fixed amount monthly (rupee-cost averaging across market ups and downs); lumpsum invests everything at once. SIP suits salaries and reduces timing risk; lumpsum wins mathematically if markets only rise — which nobody can guarantee.
Does the calculator include expense ratio and taxes?
No — returns here are pre-tax and assume the expected rate is net of fund expenses. Long-term capital gains above ₹1.25 lakh/year are currently taxed at 12.5% — the real take-home will be somewhat lower.