---
title: "SIP Calculator India — Mutual Fund Return Calculator 2026"
description: "Calculate SIP returns for any monthly investment. ₹1,000 to ₹1 lakh/month, 1–30 years, any return rate. Compares Nifty 50 (13.5%), mid-cap (16%), ELSS, and debt funds."
url: "https://worldcalculators.org/in/sip-calculator/"
canonical: "https://worldcalculators.org/in/sip-calculator/"
---

# SIP Calculator

Calculate SIP returns for any monthly investment. ₹1,000 to ₹1 lakh/month, 1–30 years, any return rate. Compares Nifty 50 (13.5%), mid-cap (16%), ELSS, and debt funds.

## Quick answer

₹5,000/month at 12% for 15 years = ₹90,000 invested → ₹25.2 lakh maturity (₹16.2 lakh gain, +180%). At 20 years: ₹12L invested → ₹50L. The Nifty 50 has returned ~13.5% CAGR over 20 years. ELSS funds average 14% and qualify for Section 80C tax deduction up to ₹1.5L.

## Best SIP amounts by salary (rule of thumb)

Financial planners recommend investing 20–30% of take-home salary via SIP for retirement goals:

Source: https://worldcalculators.org/in/sip-calculator/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.