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what return to assume in sip calculator
The calculator asks you for the return, and nobody can tell you what a fund will actually deliver. This page shows how much that one assumption moves the answer, so you can plan with a range instead of a single hopeful number.
No signup - Instant results - Runs in your browser - Estimates, not guarantees
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| 3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| 4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| 5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| 7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| 8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| 9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| 10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
How to use
- Enter SIP details
Add the monthly investment amount, expected annual return, and duration in years.
- Read the results
Maturity value, total invested, and total gains update instantly.
- Check the year-wise growth
Scroll the table to see how your invested amount vs. value grows each year.
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Start with an honest premise: no calculator, and no person, can know what return a mutual fund will earn over the next 10 or 20 years. The tool asks you to supply the rate, which makes it a what-if instrument rather than a forecaster. The sensible way to use it is to try a range of rates and see how much the outcome depends on that choice.
The table below holds the SIP at ₹5,000 a month and changes only the assumed rate. Over 10 years, moving from 6% to 15% takes the estimate from ₹8,23,494 to ₹13,93,286 — about 1.7x. Over 20 years the same rate gap is far larger, ₹23,21,756 versus ₹75,79,775, about 3.3x. The longer you invest, the more your outcome depends on the return you assumed.
A practical approach is to run three cases: a cautious one, a middle one and an optimistic one. Plan around the cautious case and treat the higher ones as upside rather than the plan. Be careful about choosing a rate because a fund did well recently — past returns do not guarantee future ones, and a single strong stretch can be followed by a weak one.
Two things this tool does not do are worth adjusting for by hand. It deducts no expense ratio or tax, so if you enter a gross return, what you actually keep would be lower. And it does not adjust for inflation, so a large nominal figure in 20 years buys less than the same number does today. As a rough real-terms view, some people subtract an assumed inflation rate from the return they enter — a crude shortcut, not a precise method.
₹5,000 a month: how the assumed return changes the estimate
Invested: ₹6,00,000 over 10 years, ₹12,00,000 over 20 years. Estimates only, not guaranteed returns.
| Assumed annual return | Estimated value after 10 years | Estimated value after 20 years |
|---|---|---|
| 6% a year | ₹8,23,494 | ₹23,21,756 |
| 8% a year | ₹9,20,828 | ₹29,64,736 |
| 10% a year | ₹10,32,760 | ₹38,28,485 |
| 12% a year | ₹11,61,695 | ₹49,95,740 |
| 15% a year | ₹13,93,286 | ₹75,79,775 |
Top benefits
- See exactly how sensitive the result is to the rate you choose.
- Plan with a cautious, middle and optimistic range instead of one number.
- Know which costs and effects the calculator leaves out.
How to apply this workflow
- Enter your monthly amount and duration in the calculator above.
- Run a cautious rate, then a middle one, then an optimistic one.
- Plan around the cautious result and treat the rest as upside.
- Adjust by hand for costs, tax and inflation, which the tool does not deduct.
Best use cases
- Choosing a cautious planning rate instead of guessing one number.
- Stress-testing a goal against a weaker-than-hoped return.
- Explaining to someone why the same SIP can look very different at different rates.
Continue with the calculators
Use the main SIP Calculator for the real numbers, then move on to a related calculator or open the full calculators hub.
FAQ
What return should I enter in a SIP calculator?
There is no single right answer, because nobody can predict a fund's future return. Try a range — a cautious, a middle and an optimistic rate — and plan around the cautious one.
Should I use a fund's past return as my assumption?
Treat it as one data point, not a forecast. Past returns do not guarantee future results, and a strong period can be followed by a weak one.
Does the calculator deduct costs or tax?
No. It does not deduct expense ratio, exit load or tax, so a gross return you enter overstates what you would keep. Enter a net figure if you want it to reflect costs.
How do I account for inflation?
The tool does not adjust for it. A crude shortcut is to subtract an assumed inflation rate from the return you enter to get a rough real-terms view.
How much does the rate really matter?
A lot, and more the longer you invest: for ₹5,000 a month, a 15% assumption gives about 1.7x the 6% result over 10 years and about 3.3x over 20 years.
About this tool
SIP What Annual Return To Assume In SIP Calculator
Estimate what a fixed monthly mutual fund SIP could grow to, with total invested, total gains, and a year-by-year table. This page focuses on the What Annual Return To Assume In SIP Calculator variant.
A SIP puts a fixed amount into a fund every month, so the final value depends on three things you choose: how much you invest, the return you assume, and how long you stay invested. This calculator compounds monthly at one-twelfth of the annual rate and treats each installment as invested at the start of its month, then shows the estimated maturity value, the total you put in, the growth on top of it, and a year-by-year table so you can watch compounding build over time. The return is a number you supply, not a forecast, and the estimate does not deduct fund expense ratio, exit load, tax, or inflation. The monthly amount stays fixed for the whole duration, so there is no step-up or lumpsum mode. Treat the result as a planning estimate, not a promise of returns.
How to use this tool
- Enter your monthly SIP amount.
- Enter the annual return you want to assume and the duration in years.
- Read the estimated maturity value, total invested, and total gains.
- Try a cautious and an optimistic return to see the range, and scan the year-wise table.
Why users choose this tool
- Maturity value, total invested, and total gain in one view, updating as you type.
- A year-by-year table that shows how compounding builds over the full duration.
- Runs in your browser, so nothing you enter is uploaded.
Common use cases
- Estimate what a monthly SIP could grow to before you start or increase it.
- Compare how different monthly amounts, durations, or assumed returns change the outcome.
- Check a maturity figure someone quoted you against a transparent month-by-month formula.
When to choose this tool
Choose the SIP Calculator when you are investing a fixed amount every month and want to estimate what it could grow to. Choose the EMI Calculator when you are repaying a loan and want the monthly payment and total interest — SIP is about growth of money you invest, EMI is about the cost of money you borrow. This tool models a fixed monthly SIP only: it has no lumpsum or step-up mode, and it does not deduct fund costs, tax, or inflation, so use its result as an estimate rather than a forecast.
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