SIP Calculator
🔒 In your browserEstimate mutual fund SIP returns from monthly investment & tenure.
How it works
Estimate what a monthly SIP (Systematic Investment Plan) in mutual funds could grow to. Enter your monthly investment, an expected annual return, and how many years you'll invest.
Mutual fund returns aren't guaranteed — this uses a constant assumed rate, so real results will vary with the market.
🔒 Calculated entirely in your browser — nothing is uploaded.
🔒 Calculated in your browser: your loan, investment and salary figures are never uploaded. Interest, tax and salary structures vary by bank and employer, so treat the result as a close estimate and confirm exact figures with them.
About the SIP Calculator
This free SIP calculator estimates what a monthly mutual fund investment could grow to. Enter your monthly SIP amount, an expected annual return and how long you'll invest, and it projects the maturity value along with how much is your own money versus returns.
It runs in your browser, with no signup.
How a SIP grows
A SIP invests a fixed amount every month, and each instalment compounds for the months it stays invested. The future value uses FV = P × (((1 + i)^n − 1) ÷ i) × (1 + i), where P is the monthly amount, i is the monthly return (annual return ÷ 12 ÷ 100) and n is the number of months. Because earlier instalments compound for longer, the final corpus is much larger than the plain sum of your deposits.
A worked example
Invest ₹10,000 a month for 10 years at an assumed 12% annual return. You put in ₹12,00,000 over 120 months, but with monthly compounding the corpus grows to roughly ₹23,23,000 — so about ₹11,23,000 is returns. The longer you stay invested, the more this gap widens, which is the core idea behind starting a SIP early.
Frequently asked questions
How is SIP maturity calculated?
It uses the future value of a monthly investment: FV = P × (((1 + i)^n − 1) ÷ i) × (1 + i), where P is the monthly amount, i the monthly return and n the number of months. This tool computes it for you.
Are SIP returns guaranteed?
No. Mutual funds are market-linked, so the actual return varies year to year. This calculator uses a constant assumed rate for planning — treat the result as an estimate, not a promise.
What return rate should I assume?
Equity funds have historically returned around 10–12% over long periods, and debt funds less. Use a conservative figure and check the fund's own long-term track record.
What's the difference from a lumpsum?
A SIP invests monthly, spreading out your entry price; a lumpsum invests once. For a one-time amount, use the Lumpsum Calculator instead.
Is my data private?
Yes — everything is calculated in your browser.