Free SIP calculator

A SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. Enter your monthly investment, expected annual return and duration to estimate the maturity value and total returns from compounding.

How to use the SIP calculator

Enter your monthly investment amount.
Enter the expected annual return (equity mutual funds have historically averaged ~10–12%).
Enter the duration in years.
Click Calculate to see the estimated maturity value and your total gains.

How SIP returns are calculated

A Systematic Investment Plan (SIP) invests a fixed amount every month. Because each instalment earns compounding returns for a different length of time, the future value is the sum of a growing series:

FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)

where P is the monthly amount, i is the monthly return (annual ÷ 12 ÷ 100) and n is the number of instalments.

Worked example

Investing ₹5,000 a month for 10 years at 12% grows to about ₹11.6 lakh. Of that, ₹6 lakh is your own contribution and roughly ₹5.6 lakh is returns — the power of compounding.

Why SIP works

Rupee-cost averaging: you buy more units when prices are low and fewer when high, smoothing out market ups and downs.
Compounding: returns earn returns, so longer time frames grow disproportionately.
Discipline: automatic monthly investing removes the temptation to time the market.

Actual returns vary with the market — this tool gives an estimate based on a constant assumed rate, not a guarantee.

Frequently asked questions

How is SIP return calculated?

Using the future value of a monthly annuity: FV = P × ((1+i)ⁿ − 1)/i × (1+i). Returns are estimates, not guaranteed.

Are SIP returns guaranteed?

No — mutual funds are market-linked. This is an estimate based on your expected return rate.

SIP Calculator