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Mutual Fund SIP Calculator

Estimate the wealth and returns generated by your Systematic Investment Plans (SIP) over time.

₹500 ₹50,000
1% 30%
1 Yr 40 Yrs
Future Value ₹0
Invested
₹0
Est. Returns
₹0

SIP Investing: Building Wealth Systematically

A **Systematic Investment Plan (SIP)** is one of the most effective tools for retail investors to accumulate wealth in mutual funds. By investing a fixed amount monthly, you benefit from rupee-cost averaging and compounding interest.

The Power of Rupee-Cost Averaging

Rupee-cost averaging means you buy more mutual fund units when prices (NAV) are low, and fewer units when prices are high. This removes the need to time the market, which is notoriously difficult for individual investors.

Compound Growth Projections

Here is an example showing the future value of a ₹5,000 monthly SIP at different expected return rates over 15 years:

Monthly SIP (₹) Expected Return Rate Total Invested (₹) Est. Returns (₹) Total Value (₹)
₹5,000 10% p.a. ₹9,00,000 ₹11,09,820 ₹20,09,820
₹5,00,0 12% p.a. ₹9,00,000 ₹14,79,676 ₹23,79,676
₹5,00,0 15% p.a. ₹9,00,000 ₹22,43,016 ₹31,43,016

Frequently Asked Questions

A SIP is a method of investing in mutual funds where you commit to contributing a fixed sum of money at regular intervals (monthly, quarterly) rather than making a one-time lump-sum payment.
In standard mutual fund compounding simulations, returns are modeled using the Future Value (FV) formula calculated monthly: M = P * [ ( (1 + i)^n - 1 ) / i ] * (1 + i), where M is final wealth, P is monthly investment, i is monthly rate, and n is total months.
Disclaimer: Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Historical returns are not indicators of future performances. This simulator does not guarantee actual payouts.

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Legal Disclaimer & Financial Disclosure All calculators, estimators, and tools available on MoneyOnRefer are provided strictly for educational, informational, and illustrative purposes. The calculations, estimates, projections, interest rates, tax values, or commissions displayed are mathematical approximations based on user inputs and standard formulas, and should not be construed as absolute guarantees, promises, or professional advice.

MoneyOnRefer is not a registered investment advisor, credit provider, banker, or licensed tax/financial consultant. We do not provide investment advice, financial planning, advisory services, loan brokerage, or recommendations to invest in any financial instrument or loan product. Any financial decisions or commitments made based on the output of these calculators are done at your own sole risk. We strongly recommend consulting with a certified financial planner, registered accountant, or licensed banking professional before making any financial commitments.