SIP Calculator India 2026 | Mutual Fund Returns Calculator | Tools Calculator

Free SIP calculator for India. Calculate mutual fund SIP returns, compounding growth & step-up wealth. Calculate ₹500 to ₹1 Lakh monthly SIP returns instantly.

Compounding & Wealth Creation Formula

FV = P × [((1 + r)^n – 1) / r] × (1 + r)

P: Monthly investment amount
r: Monthly return rate (Annual Return ÷ 12 ÷ 100)
n: Total number of compounding periods (Months)

Example: ₹10,000/month for 15 years at 12% CAGR yields a total wealth of ₹50.5 lakh on an investment of ₹18 lakh (wealth gain: ₹32.5 lakh).

Related Investment Calculators

Frequently Asked Questions

How much monthly SIP is needed to make ₹1 Crore?: At 12% annual returns: ₹10,000/month for 20 years, or ₹16,000/month for 15 years, or ₹32,000/month for 10 years creates ₹1 Crore.
What is the current PPF interest rate?: The government-backed PPF interest rate is 7.1% per annum, compounded annually with full EEE (Exempt-Exempt-Exempt) tax-free status under Section 80C.