Worked Example: ₹10,000/month SIP for 10 years at 12%
Inputs
- Monthly SIP₹10,000
- Expected Return12% p.a.
- Duration10 years
Results
- Total Invested₹12,00,000
- Estimated Returns₹11,23,391
- Maturity Value₹23,23,391
A disciplined ₹10,000 monthly SIP at 12% CAGR could nearly double your money in 10 years, with returns matching your invested amount.
How SIP Calculator Works
Enter your monthly SIP amount, expected annual return rate, and investment duration. The calculator uses compound interest on monthly contributions to project your total investment, returns, and maturity value.
Frequently Asked Questions
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds, typically monthly.
How is SIP return calculated?
SIP returns are calculated using compound interest on each monthly installment, compounded at the expected annual rate.
What is a good SIP return rate to assume?
For equity mutual funds, 10–12% long-term CAGR is commonly used for planning. Debt funds are lower (6–8%). Past performance does not guarantee future returns.
Is SIP better than lumpsum?
SIP reduces timing risk through rupee-cost averaging. Lumpsum can outperform in rising markets. Use our Lumpsum Calculator to compare both.
Disclaimer
- This calculator gives you an estimate only. It is not a promise of exact results.
- This is general information, not personal financial, tax, or legal advice.
- You are responsible for your own decisions. Talk to a qualified professional when it matters.
- Investment returns are not guaranteed. Markets can rise or fall.