Mutual Fund SIP Calculator
Calculate your SIP returns using actual historical NAV data from 10,000+ Indian mutual funds. No assumptions — just real performance.
Mutual Fund SIP Calculator
Simulate how your SIP or lumpsum investment would have performed in any real mutual fund — using actual historical NAV data.
Minimum SIP amount is ₹100
INVESTED
EST. VALUE
EST. GAINS
RETURN RATE
TOTAL
Estimated projection at 12% p.a. over 10 years. Actual returns may vary.
Your SIP amount increases by this % every year
INVESTED
FUTURE VALUE
WEALTH GAIN
VS NORMAL SIP
TOTAL
Year-wise Breakdown
| Year | Monthly SIP | Year Invested | Total Invested | Value |
|---|
REQUIRED MONTHLY SIP
TOTAL INVESTED
WEALTH GAIN
To reach in years at % p.a.
Type to search mutual funds. Results will appear below.
Selected fund
Inflation Adjustment
Show real-value returns after inflation
Select a fund & calculate
Your results will appear here with charts below.
INVESTED
CURRENT VALUE
TOTAL RETURNS
XIRR (ANNUALISED)
INFLATION-ADJUSTED VALUE
After 6% annual inflation
Portfolio Growth Over Time
Based on actual NAV data for your selected fund
Investment Breakdown
Hover over the chart to see details
TOTAL
Year-wise Breakdown
Detailed view of your investment growth year by year
| Year | Invested (Year) | Total Invested | Portfolio Value | Gain |
|---|
Cost of Delay
See how much you lose by delaying your SIP start — even by just 1 year
SIP vs FD vs RD Comparison
How your monthly investment grows across different instruments
How it works.
We use actual historical NAV (Net Asset Value) data to simulate exactly how your SIP or lumpsum would have performed — month by month, rupee by rupee.
01
Search any real fund
Type a fund name to search across 10,000+ Indian mutual funds. We fetch real historical NAV data from AMFI records.
02
Set your amount & period
Choose SIP (monthly) or Lumpsum. Pick any start and end date within the fund's available history.
03
See real returns + charts
We calculate your actual portfolio value, XIRR (annualised returns), and show you the entire growth journey on a chart.
What Is a SIP Calculator and How Does It Work?
A SIP calculator helps you estimate the future value of your Systematic Investment Plan (SIP) in mutual funds. Unlike generic calculators that use a fixed assumed return rate, our mutual fund SIP calculator uses actual historical NAV (Net Asset Value) data to show you exactly how your investment would have performed in any real fund over any time period.
Whether you want to check the returns of a Nifty 50 index fund SIP calculator scenario, see how a monthly SIP in Parag Parikh Flexi Cap Fund would have grown, or compare an SBI mutual fund SIP calculator result with an HDFC Flexi Cap Fund SIP — this tool gives you real numbers, not estimates.
How Our SIP Returns Calculator Differs
Most online SIP calculators ask you to input an expected return rate (say 12%) and compute a theoretical future value. The problem? No fund delivers a fixed 12% every year. Our SIP returns calculator eliminates guesswork by pulling actual month-by-month NAV data from AMFI records for over 10,000 Indian mutual funds. You pick a fund, set a date range, and see what actually happened — including the XIRR (annualised return), total invested amount, and final portfolio value.
Funds You Can Simulate
Search and simulate SIP returns for any registered Indian mutual fund. Popular searches include:
- Nippon India Small Cap Fund SIP calculator
- Parag Parikh Flexi Cap Fund SIP calculator
- SBI Contra Fund and SBI Bluechip Fund SIP calculator
- HDFC Flexi Cap Fund SIP calculator
- Nifty 50 index fund SIP calculator (UTI, HDFC, or SBI Nifty Index)
Simply type the fund name in the search box and select from real-time suggestions. We support direct and regular plans across equity, debt, hybrid, and index fund categories.
SIP with Step-Up: Plan for Salary Increases
Wondering how much more you could accumulate by increasing your SIP each year? Our mutual fund SIP calculator with step up feature lets you add an annual increment (e.g., 10% step-up) to model realistic investment growth that matches your rising income. This single change can dramatically increase your corpus over 10–20 years.
Beyond SIP: More Financial Tools
We offer a suite of free calculators to help you make smarter financial decisions:
- SIP vs EMI Calculator — Should you invest your surplus or prepay your loan?
- Cost of Delay Calculator — See how much a 1-year delay in starting SIP costs you
- FIRE Calculator — Plan your Financial Independence, Retire Early journey
Why Use Real Data Instead of Assumed Returns?
Assumed-return calculators can mislead investors into expecting consistent compounding. In reality, equity mutual funds experience volatility — some years return 30%, others lose 10%. By using real NAV data, our index fund SIP calculator and active fund simulator show you the actual journey including drawdowns, recoveries, and final outcomes. This helps set realistic expectations and builds better investment discipline.
Start using our free SIP calculator above — just search for any mutual fund, enter your monthly amount, choose your dates, and see exactly what would have happened to your money.
Frequently Asked Questions
What is the best SIP calculator?
The best SIP calculator is one that uses real mutual fund NAV data instead of assumed return rates. Our calculator at fundsipcalculator.com lets you simulate SIP returns for 10,000+ Indian mutual funds using actual historical performance data from AMFI. This gives you a realistic picture of how your investment would have grown — including market ups and downs — rather than a misleading straight-line projection.
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. Instead of investing a lump sum, SIP allows you to spread your investment over time, benefiting from rupee cost averaging. When markets are low, your fixed amount buys more units; when markets are high, it buys fewer. Over the long term, this discipline reduces the impact of market volatility and helps build wealth consistently.
How do I calculate SIP returns?
To calculate SIP returns, you need to know your monthly investment amount, the duration, and the fund's NAV on each investment date. Each month's SIP buys units at that day's NAV. At the end, multiply your total units by the final NAV to get the portfolio value. The annualised return (XIRR) accounts for the timing of each cash flow. Our calculator does all of this automatically — just pick a fund, set dates, and enter your SIP amount to see exact historical returns.
Disclaimer
Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing. The calculations shown on this website are for informational and educational purposes only and do not constitute financial advice, investment advice, or a recommendation to buy or sell any security. The results are based on historical NAV data sourced from public APIs and may contain inaccuracies. Returns shown are purely illustrative of past performance. Actual returns may vary significantly. This calculator does not account for expense ratios, exit loads, taxes (LTCG/STCG), dividend reinvestment, or changes in fund management. Consult a registered investment advisor before making any investment decisions. Investments in mutual funds carry risk including possible loss of principal.