SIP Calculator India 2026

A SIP is a method of investing a fixed amount every month into a mutual fund. Instead of investing a lump sum, you invest regularly — benefiting from rupee cost averaging (buying more units when markets fall, fewer when they rise) and the power of compounding over time.

SIP return uses the Future Value of annuity formula: FV = P × [((1+r)^n - 1) / r] × (1+r), where P is monthly investment, r is monthly return rate (annual rate ÷ 12), and n is total months. This assumes a constant monthly return, which is a simplification — actual mutual fund returns vary.

Assuming 12% annual return (historical Nifty 50 average): ₹2,861/month for 30 years, ₹5,322/month for 25 years, ₹10,109/month for 20 years, ₹19,819/month for 15 years, or ₹43,470/month for 10 years. Use the reverse SIP calculator on this page to find your exact monthly requirement.

Nifty 50 index funds have historically returned 12–14% annually over 15+ year periods. Flexi-cap and large-cap funds typically return 11–13%. For conservative estimates, use 10–11%. ELSS (tax-saving) funds average 12–13%. Higher-volatility small-cap funds may return 14–16% but with significantly higher risk.

No — stopping SIP during market crashes is the most common and costly mistake. When markets fall, your monthly SIP buys more units at lower prices, reducing your average cost (rupee cost averaging). The returns that compound after a crash recovery are often the biggest gains in a SIP journey. Stay invested.

A Step-Up SIP (also called a Top-Up SIP) increases your monthly investment by a fixed percentage each year — typically 10%. As your salary grows, increasing your SIP proportionally dramatically accelerates wealth creation. Most fund houses offer automatic Step-Up SIP options.