CapitalMap · SIP calculator
SIP Calculator for India
Calculate mutual fund SIP returns. Start with an example ₹10,000 monthly SIP at 12% for 10 years — then change the numbers to match your plan.
How SIP returns are calculated
Monthly investment, return, and time
A SIP (systematic investment plan) invests a fixed amount every month. The maturity value compounds each contribution at an assumed monthly rate. Early SIPs have more time to grow; later ones contribute mostly principal.
Future value of a monthly SIP
M = P × (((1+r)n − 1) / r) × (1+r)
P = monthly investment, r = monthly return rate (annual ÷ 12), n = tenure in months. This is the standard formula used by Indian SIP calculators for illustrative projections.
Try it live
SIP calculator for India
Each visit starts with an example ₹10,000 monthly SIP at 12% for 10 years. Change the amount, expected return, or tenure to see maturity value, total invested, and estimated gains. For tracking mutual fund balances on your balance sheet, see the asset and liability tracker.
SIP calculator
Mutual fund SIP returns
Example ₹10,000 / month at 12% for 10 years — edit amount, return, or tenure. Nothing is saved.
Maturity value
₹23,23,391
₹10,000 / month · 10 years (120 months) · 12% p.a.
Total invested
₹12,00,000
Estimated gains
₹11,23,391
Wealth multiple
1.9×
- At 12% p.a. for 10 years, ₹10,000/month grows to about ₹23.2 L — roughly 1.9× what you invest.
- You invest ₹12 L; estimated gains are ₹11.2 L (48% of the corpus). Returns are illustrative, not guaranteed.
- Five more years at the same SIP could add about ₹27.2 L to the corpus — time compounds more than a slightly higher monthly amount in early years.
Illustrative calculator — not advice, and not your CapitalMap vault. Mutual fund returns are not guaranteed.
SIP vs net worth
Cash you invest is not the same as wealth
SIP tells you how much leaves your account each month and what a projected corpus might be. Net worth uses the mutual fund’s current market value as an asset. Use this calculator for planning; use a wealth tracker for the live balance.
SIP
Cash flow
Monthly outflow into funds
Corpus
Asset
What net worth adds today
FAQ
Frequently asked questions
How is SIP maturity value calculated?
SIP uses the future-value formula: M = P × (((1+r)^n − 1) / r) × (1+r), where P is monthly investment, r is monthly return rate (annual rate ÷ 12), and n is tenure in months. This assumes a constant monthly contribution and a constant expected return.
What return rate should I use in a SIP calculator?
Equity mutual funds often use 10–12% p.a. as an illustrative long-term assumption; debt funds use lower rates. Past returns are not guaranteed. Try a few rates to see how sensitive the corpus is — then track the live fund value on your balance sheet.
Does SIP affect net worth?
The SIP amount is a cash-flow outflow. Net worth uses the mutual fund’s current market value as an asset. Paying SIPs builds the corpus over time; the calculator projects that corpus, while CapitalMap tracks what the fund is worth today.
Can I calculate SIP returns online?
Yes. Use the calculator above with your monthly amount, expected annual return, and tenure in years. It shows maturity value, total invested, estimated gains, and a wealth multiple.
What is the difference between SIP amount and corpus?
SIP amount is what you invest each month. Corpus (maturity value) is the projected total after compounding. For net worth, list the fund’s current value as an asset — not the monthly SIP or the projected future figure.
Is CapitalMap an investment or SIP app?
No. CapitalMap does not invest money or run SIPs. It is a household wealth tracker: log mutual fund current values next to other assets, calculate net worth, and store records in a Google Sheet you own.
Plan the SIP. Track the corpus.
Use the calculator to project returns. Use CapitalMap to log mutual fund current value next to your other assets — in a Google Sheet you own.
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