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SIP Calculator — Mutual Fund Returns with Yearly Breakdown

Updated: June 2026 · Verified for FY 2026-27 · By Abishek

Calculate SIP maturity value, total investment and wealth gained with a year-wise growth table. Standard SIP future-value formula, free and private.

Calculate SIP Returns

Historical average: 10-15% for equity funds

What is SIP?

SIP (Systematic Investment Plan) is a disciplined way to invest in mutual funds by contributing a fixed amount regularly (monthly/quarterly). It helps in wealth creation through rupee cost averaging and power of compounding.

Benefits of SIP

Regular investing reduces market timing risk, rupee cost averaging smoothens volatility, power of compounding multiplies returns over time, and small monthly investments build large corpus for financial goals like retirement or children's education.

Sources & methodology

Formulas on this page are shown in full above and verified against official sources.

Results are estimates for education and planning — not financial, tax or investment advice. Verify important decisions with a qualified professional.