What return rate should I assume?

For equity funds over long horizons, 10 to 12 percent annually is a reasonable assumption. Debt funds typically sit around 6 to 7 percent.

Does this account for inflation?

No. The corpus shown is in nominal rupees. Subtract roughly 5 to 6 percent annually if you want a real-terms view.

Should I step up my SIP every year?

Increasing the SIP in line with your income growth meaningfully boosts the final corpus. Even a 10 percent annual step-up can add a substantial sum over 20 years.

Is SIP safer than a lump sum?

For volatile asset classes, SIP smooths out entry price and reduces timing risk. For stable assets or when a clear lump sum is available, lump sum can be efficient.

SIP returns calculator

A Systematic Investment Plan turns small monthly contributions into a meaningful corpus through compounding and rupee-cost averaging. Use this tool to see how an SIP could grow at different return rates and time horizons.

SIP returns calculator

Estimate wealth created by monthly SIP investments over time.

Monthly SIP (₹)

₹5,000

Duration (years)

15 yrs

Expected return (%)

12% p.a.

Maturity value

₹25.2 L

Amount invested

₹9.0 L

Estimated gains

₹16.2 L

Returns are compounded monthly using the standard SIP formula. Actual returns depend on market conditions and the fund selected. Past performance does not guarantee future results.

How this is calculated

Inputs you provide: monthly investment amount, expected annual return rate, and investment horizon in years.
The expected return is converted into a monthly rate.
The standard future-value-of-annuity formula is applied to compute the corpus.
Total invested is monthly amount times months. Gain is corpus minus total invested.
Actual returns will vary with the fund, market cycles, and your discipline in continuing the SIP.

Common questions

What return rate should I assume?: For equity funds over long horizons, 10 to 12 percent annually is a reasonable assumption. Debt funds typically sit around 6 to 7 percent.
Does this account for inflation?: No. The corpus shown is in nominal rupees. Subtract roughly 5 to 6 percent annually if you want a real-terms view.
Should I step up my SIP every year?: Increasing the SIP in line with your income growth meaningfully boosts the final corpus. Even a 10 percent annual step-up can add a substantial sum over 20 years.
Is SIP safer than a lump sum?: For volatile asset classes, SIP smooths out entry price and reduces timing risk. For stable assets or when a clear lump sum is available, lump sum can be efficient.