📈 FY 2026-27 Ready

SIP Calculator India 2026

Calculate the future value of your SIP investments. Step-up SIP supported. See exactly how much you invest versus how much you earn.

Standard SIP future value formulaStep-up SIPWhatsApp shareCopy page link
Updated May 29, 2026 · SEBI-consistent compounded monthly return formula
SIP Return Calculator
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₹5K × 10yr @12% ₹10K × 15yr @12% ₹10K step-up 10% × 20yr ₹15K × 10yr @10% Debt fund 8% × 5yr
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Corpus at maturity
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Monthly return rate used—
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Invested: —Returns: —
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📈 Before starting a SIP Compare the scheme factsheet, risk category, expense ratio, benchmark, fund manager history, and your goal horizon.
Review SIP assumptions →
⚠️ Mutual fund returns are not guaranteed. Past performance does not indicate future results. Use 10% for conservative planning, 12% for moderate. Never assume above 15% for long-term plans. Consult a SEBI-registered investment advisor.

SIP Formula & Return Rate Guide

FV = P × ((1 + r)^n − 1) ÷ r × (1 + r)

P = Monthly SIP  |  r = Annual return ÷ 1200  |  n = Months

Verified: ₹5,000/month at 12% for 10 years → FV = ₹11,61,695. Invested = ₹6,00,000. Returns = ₹5,61,695.

Return Rate Reference

Fund CategoryHistorical ReturnRisk
Large-cap equity10–12% p.a.Medium
Flexi/multi-cap11–14% p.a.Medium
Mid-cap equity13–16% p.a.High
Small-cap equity15–18% p.a.Very High
Debt / liquid6–8% p.a.Low
Index fund (Nifty 50)~12% long-termMedium

Frequently Asked Questions

Future value = ₹11,61,695. Total invested = ₹6,00,000. Returns = ₹5,61,695 (93% gain). After 10 years, returns nearly equal the amount you invested — this is the compounding effect.
Future value ≈ ₹99.9 lakhs (nearly ₹1 crore). Total invested = ₹24 lakhs. Returns ≈ ₹75.9 lakhs — 3x the invested amount. This is the dramatic power of compounding over 20 years.
12% is the commonly used planning benchmark based on historical Nifty 50 data over 15–20 year periods. Actual returns vary by fund and market conditions. Use 10% for conservative projections, 12% for moderate. Never assume above 15% for long-term planning.
A step-up SIP increases your monthly amount by a fixed % every year (typically 10%). Starting ₹10,000 with 10% step-up: Year 2 = ₹11,000, Year 3 = ₹12,100 etc. This mirrors salary growth and can add ₹20–50 lakhs to your final corpus vs a flat SIP.
SIP is better for salaried individuals investing from monthly income. It reduces timing risk via rupee cost averaging — when markets fall, your fixed amount buys more units. Lump sum can outperform in a consistently rising market if timed well. For most people, SIP is practical and sustainable.

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Source, accuracy and review note

Maintained by the RupeeCalc editorial workflow. Last checked: 29 May 2026. This page gives informational estimates only; verify official sources, your own documents, and a qualified professional before filing taxes, taking loans, investing, invoicing, or making compliance decisions.

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📊 Before You Start Your SIP
Future value calculated. Now compare funds and costs.

Returns are assumptions. Check fund categories, expense ratios, platform options and what to verify before investing.

SIP Decision Guide →