Calculator Tool

SIP Calculator
Calculate Mutual Fund SIP Returns Instantly

Calculate your SIP maturity value, total invested amount and estimated returns instantly. Plan your monthly mutual fund SIP investments with accurate, easy-to-understand projections.

Calculate SIP Returns

Enter your monthly investment, expected return rate and tenure to get an instant projection

Enter the amount you plan to invest every month via SIP.
Expected annual rate of return from the fund.
Number of years you plan to continue the SIP.
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Total Maturity Value
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Invested Amount
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Estimated Returns
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Total Installments
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Wealth Gain Ratio
📈 Applied Return Rate
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expected annual return, compounded monthly
Summary: --

How to Use the SIP Calculator

Get an accurate SIP projection in 4 simple steps

1
Enter Monthly Investment

Type the amount you plan to invest every month through your SIP in the investment field.

2
Enter Expected Return Rate

Enter the annual rate of return you expect the mutual fund scheme to generate over the long term.

3
Enter Investment Tenure

Enter the total number of years you plan to keep contributing to the SIP without withdrawing.

4
Click Calculate SIP

Instantly see the total invested amount, estimated returns, and final maturity value of your investment.

Why Use This SIP Calculator?

Plan your mutual fund investments with confidence

  • Compound growth modeling: Calculates maturity value using monthly compounding, just like actual mutual fund SIPs.
  • Clear breakdown: Instantly see invested amount, estimated returns and total maturity value side by side.
  • Wealth gain ratio: Understand how many times your invested amount has grown by the end of the tenure.
  • Flexible inputs: Adjust monthly amount, expected return rate, and tenure to compare different investment scenarios.
  • No account needed: Use instantly, no login or registration required ever.

How SIP Returns Are Calculated

Understanding the formula behind your SIP maturity value

Term Meaning Example
P Monthly SIP investment amount ₹5,000 per month
i Monthly rate of return (annual rate ÷ 12 ÷ 100) 12% p.a. → 1% monthly
n Total number of monthly installments 10 years → 120 months
M Maturity value = P × [(1+i)ⁿ – 1] / i × (1+i) Total value at end of tenure

Returns shown are estimates based on the expected rate of return you enter. Actual mutual fund returns are market-linked, vary over time, and are never guaranteed.

Key Benefits

Why investors use our SIP calculator daily

Instant Calculation

Get your full SIP projection the moment you click calculate — no waiting, no loading delays.

Accurate Compounding

Uses the standard monthly compounding SIP formula for results consistent with mutual fund projections.

Works on All Devices

Fully responsive design works perfectly on smartphones, tablets, laptops, and desktop computers.

Private & Secure

All calculations happen in your browser. No data is sent to or stored on our servers. Ever.

Scenario Comparison

Quickly tweak amount, rate, or tenure to compare different SIP investment strategies.

Goal Planning Ready

Use the maturity value estimate to plan for retirement, education, or other long-term financial goals.

Frequently Asked Questions

Everything you need to know about SIP calculation

SIP maturity value is calculated using the formula M = P × ({[1 + i]^n – 1} / i) × (1 + i), where P is the monthly investment amount, i is the monthly rate of return (annual rate divided by 12 and by 100), and n is the total number of monthly installments.

Invested amount is the total of all monthly contributions you make over the SIP tenure (monthly amount multiplied by number of months). Estimated returns is the wealth gained on top of that, calculated as the maturity value minus the total invested amount.

Most equity mutual fund SIP calculators use a long-term average return assumption between 10% and 15% per annum, though actual returns depend on market performance and the specific fund chosen and are never guaranteed.

No. SIP investments in mutual funds are market-linked and do not guarantee fixed returns. The calculator provides an estimate based on an assumed average annual return rate entered by the user, which may differ from actual fund performance.

No. The SIP calculator runs entirely in your browser using JavaScript. No data is sent to our servers, and nothing is stored, logged, or tracked. Your privacy is completely protected.

This calculator is designed specifically for monthly SIP (Systematic Investment Plan) contributions. For a one-time lump sum investment, a compound interest calculator would be more appropriate since the growth formula differs.