Enter your monthly investment, expected return, and tenure — this calculator instantly shows your maturity value and total wealth gained.
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Your investment details
Estimate a regular monthly SIP, or switch to a one-time lumpsum investment.
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₹500₹1,00,000
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₹5,000₹50L
%
1%30%
years
1 yr40 yrs
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Maturity value
Total invested₹0
Wealth gained₹0
Maturity value₹0
Return multiple0.0x
Estimate only — assumes a constant annual return compounded monthly, which real mutual funds rarely deliver exactly. Actual returns vary with market performance and fund choice.
How SIP returns are calculated
A SIP invests a fixed amount every month, and each instalment compounds for a different length of time — money invested in month one grows for the full tenure, while the last instalment barely compounds at all. A lumpsum, by contrast, compounds the entire amount for the whole tenure.
1
Enter your investment
Monthly SIP amount, or a one-time lumpsum.
2
Set return and tenure
Expected annual return and how many years you'll stay invested.
3
See your maturity value
Total invested, wealth gained, and final corpus.
The SIP formula
Maturity value = P × [(1 + i)ⁿ − 1] / i × (1 + i)
P = monthly investment, i = expected monthly return, n = number of months.
For lumpsum: Maturity value = P × (1 + annual rate)^years, compounded monthly.
A worked example
A ₹5,000 monthly SIP for 10 years at 12% expected annual return:
Monthly investment
₹5,000
Tenure
10 years
Total invested
₹6,00,000
Wealth gained
₹5,61,695
Maturity value
₹11,61,695
Notice the wealth gained is almost as much as the amount invested — this is the effect of compounding over a long tenure, which is why starting early matters more than the exact monthly amount.
Typical expected return ranges
6–7%
Debt funds, conservative
10–12%
Large-cap equity funds
12–15%
Flexi-cap / multi-cap funds
15%+
Small-cap, higher risk
Frequently asked questions
Is the SIP return guaranteed?
No. Mutual fund returns are market-linked and vary year to year — the percentage you enter is an assumed average, not a guaranteed rate like a fixed deposit.
Why does SIP show less wealth gain than lumpsum for the same amount?
Because in a SIP, later instalments have less time to compound than the first ones, while a lumpsum compounds the full amount from day one — so a lumpsum of the same total often produces a higher maturity value, at the cost of more upfront risk.
Does this account for expense ratio or exit load?
No — this is a simplified gross-return estimate. Fund expense ratios, exit loads, and taxes on gains will reduce your actual net return.
Are SIP gains taxed?
Yes — equity mutual fund gains are subject to capital gains tax depending on how long each instalment was held, and the applicable rates can change with tax law.
Planning a long-term goal?
Try a few different tenures and amounts to see how starting earlier changes your final corpus.
