Monthly SIP Calculator — Systematic Investment Plan Returns — FY 2026-27
Project your monthly mutual-fund SIP corpus over any horizon from 1 to 50 years. Pre-fills with ₹10,000/month at 12% return for 20 years — the "standard" Indian salaried professional starter template. Adjust for your actual monthly amount, expected return (11-14% for diversified equity, 8-10% for debt), and goal tenure.
SIP inputs
- Final corpus
- ₹98.93 L
- Total invested
- ₹24.00 L
- Total returns
- ₹74.93 L
- CAGR
- 7.34%
Year-by-year build-up
| Year | Invested this year | Cumulative invested | Year-end corpus | Returns to date |
|---|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,20,000 | ₹1,26,825 | ₹6,825 |
| Year 2 | ₹1,20,000 | ₹2,40,000 | ₹2,69,735 | ₹29,735 |
| Year 3 | ₹1,20,000 | ₹3,60,000 | ₹4,30,769 | ₹70,769 |
| Year 4 | ₹1,20,000 | ₹4,80,000 | ₹6,12,226 | ₹1,32,226 |
| Year 5 | ₹1,20,000 | ₹6,00,000 | ₹8,16,697 | ₹2,16,697 |
| Year 6 | ₹1,20,000 | ₹7,20,000 | ₹10,47,099 | ₹3,27,099 |
| Year 7 | ₹1,20,000 | ₹8,40,000 | ₹13,06,723 | ₹4,66,723 |
| Year 8 | ₹1,20,000 | ₹9,60,000 | ₹15,99,273 | ₹6,39,273 |
| Year 9 | ₹1,20,000 | ₹10,80,000 | ₹19,28,926 | ₹8,48,926 |
| Year 10 | ₹1,20,000 | ₹12,00,000 | ₹23,00,387 | ₹11,00,387 |
| Year 11 | ₹1,20,000 | ₹13,20,000 | ₹27,18,959 | ₹13,98,959 |
| Year 12 | ₹1,20,000 | ₹14,40,000 | ₹31,90,616 | ₹17,50,616 |
| Year 13 | ₹1,20,000 | ₹15,60,000 | ₹37,22,091 | ₹21,62,091 |
| Year 14 | ₹1,20,000 | ₹16,80,000 | ₹43,20,970 | ₹26,40,970 |
| Year 15 | ₹1,20,000 | ₹18,00,000 | ₹49,95,802 | ₹31,95,802 |
| Year 16 | ₹1,20,000 | ₹19,20,000 | ₹57,56,220 | ₹38,36,220 |
| Year 17 | ₹1,20,000 | ₹20,40,000 | ₹66,13,078 | ₹45,73,078 |
| Year 18 | ₹1,20,000 | ₹21,60,000 | ₹75,78,606 | ₹54,18,606 |
| Year 19 | ₹1,20,000 | ₹22,80,000 | ₹86,66,588 | ₹63,86,588 |
| Year 20 | ₹1,20,000 | ₹24,00,000 | ₹98,92,554 | ₹74,92,554 |
Monthly SIP Calculator — Systematic Investment Plan Returns — FAQ
How much SIP should I do per month?
Rule of thumb: save 20-30% of gross monthly income for retirement + goals. For a ₹1 L/month salary, that's ₹20-30K monthly SIP. Split across: (a) equity SIP 60-70% (long-term growth), (b) debt/hybrid 20-30% (stability), (c) emergency fund savings 10% (short-term liquid FD). Increase by 10% every year to match salary hikes.
What will ₹10,000 monthly SIP become in 20 years?
At 12% annual return over 20 years, ₹10,000 monthly SIP compounds to ₹1,00,25,091 (~₹1 crore) — on a total invested of ₹24 L. The tax-free portion (after LTCG at 12.5% post Budget 2024) is ~₹86 L. At 15% (aggressive equity): ₹1.51 crore. At 10% (conservative debt+equity mix): ₹76 L.
Is ₹5,000 monthly SIP enough for retirement?
Depends on your current age and target retirement corpus. ₹5K/month for 30 years at 12% = ₹1.76 crore (corpus). Using 4% SWR, this supports ₹70K/month real withdrawals in retirement — comfortable for a single retiree outside a metro. For couples or metro living, target ₹10-15K/month SIP starting early (age 25-30).
How to choose the right mutual fund for monthly SIP?
For long-horizon (10+ years): pick a low-cost index fund (Nifty 50 / Nifty 500 / Nifty Midcap 150) with expense ratio under 0.5%. For mid-horizon (3-10 years): diversified active equity + balanced hybrid. For tax-saving (Section 80C): ELSS fund (3-year lock-in). Avoid thematic / sector funds for core SIP — they're for satellite allocation.
When is the best date to start a monthly SIP?
Any day — there's no "best" date. Choose a date 2-3 days after your salary credit (e.g., 5th or 7th of each month) so funds are available. Most fund houses offer SIP dates of 1st / 5th / 10th / 15th / 20th / 25th. Some funds allow daily or weekly SIPs — marginal benefit over monthly; monthly is the pragmatic default.
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