SIP Calculator: Project Your Mutual Fund Future Value

Calculate the future value, total invested capital, and compound returns of a Systematic Investment Plan (SIP). Free, mobile-friendly, instant PDF download.

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A SIP (Systematic Investment Plan) is a simple way to invest a fixed amount in a Mutual Fund every month. SIP is best for long-term wealth creation because you get the benefit of rupee-cost averaging and the power of compounding.

This free SIP Calculator computes the future value based on the monthly SIP amount, expected return rate (% p.a.), and investment tenure (years) you enter. It separately shows the total invested capital, total returns (gain), and the final corpus. It uses the AMFI-aligned standard formula (FV = P x [(1+r)^n - 1] / r) x (1+r)).

Common use cases: Retirement planning (e.g., building a Rs 5 crore corpus in 30 years), Child education (higher studies fund over 15-18 years), House down payment (Rs 30 lakh in 5-7 years), Wealth building (a 10-20 year SIP across diversified equity MFs).

A Step-Up SIP variant is also available (increasing the SIP amount every year— typically a 5-15% annual step-up). A 12-13% expected return is reasonable for the average investor (based on Nifty 50 or hybrid MF).

Along with the calculator, you also get a branded PDF report that includes a year-wise breakdown, growth chart, and the AMFI mandatory disclaimer. It is fully responsive on mobile as well.

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Open SIP Calculator (Free) — Project Mutual Fund Returns →

Frequently Asked Questions

What is the minimum SIP amount?
In most mutual funds the minimum SIP starts from Rs 500/month. Some funds also allow starting from as low as Rs 100 (e.g., SBI Multicap, Mirae Asset). Higher-quality equity funds usually have a minimum of Rs 500-1000.
Are SIP returns guaranteed?
No, SIP returns are market-linked. Mutual Fund investments are subject to market risks. As per AMFI compliance, past performance does not guarantee future returns. Over a long-term (7-10 years+) horizon, historical average returns in equity MF have been ~11-13%, but actual returns can vary.
SIP vs Lumpsum — which is better?
SIP provides rupee-cost averaging — investment happens in both market lows and highs, keeping the average buy price moderate. Lumpsum can give higher returns if the market timing is right, but is mostly risky. SIP is recommended for salaried individuals. If you receive a bonus or inheritance, a Lumpsum + SIP combination is best.
What is a Step-Up SIP?
In a Step-Up SIP, the SIP amount automatically increases every year (e.g., 10% annual step-up). Your investment grows along with your salary hike. Over the long term, this builds a 1.5-2x larger corpus compared to a simple SIP with the same starting amount.
How do you start an online SIP?
Direct platforms: AMC website (Axis MF / SBI MF / HDFC MF), Coin by Zerodha, Groww, Kuvera, Paytm Money. The expense ratio is slightly higher via the distributor route. Getting guidance from an AMFI ARN-registered MFD is beneficial for first-time investors.

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Regulatory Disclaimer

Aumsetu.com is a Software-as-a-Service (SaaS) platform. It provides calculator tools, document templates, PDF generators, and workflow utilities intended for use by AMFI-registered Mutual Fund Distributors (MFDs), SEBI-registered Investment Advisers (RIAs), Chartered Accountants, and other qualified financial professionals practising in India.

Aumsetu.com is NOT a Mutual Fund Distributor, Investment Adviser, Research Analyst, Stock Broker, or Portfolio Manager. It does not solicit investments, does not distribute mutual fund units, does not recommend specific schemes, and does not provide personalised financial or investment advice to end-investors. All calculator outputs are illustrative projections based on user-supplied inputs and stated assumptions; they are not guarantees, forecasts, or promises of returns. Past performance is not indicative of future results.

Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Users of Aumsetu are solely responsible for verifying calculator outputs, applying regulations relevant to their profession, ensuring their own compliance with SEBI, AMFI, RBI, PFRDA and Income Tax laws, and for the accuracy of any advice they provide to their own clients using this tool.

Aumsetu is a personal, non-commercial community initiative by Deepak Singla, an AMFI-registered Mutual Fund Distributor (ARN-76535). For grievances or queries relating to this platform: info@aumsetu.com. Full Terms of Use, Privacy Policy, and Payments Policy apply.