The SIP Calculator estimates how much your monthly mutual fund investment could grow to. Enter how much you invest each month, the return you expect per year, and how long you will stay invested, and it shows your total invested amount, the estimated returns, and the final maturity value.
SIP stands for Systematic Investment Plan — investing a fixed amount every month rather than a lump sum. Because returns compound over time, even modest monthly amounts can grow substantially over many years. Adjust the sliders to see how the amount, return rate, and time period change the outcome.
How to use the SIP calculator
- Enter your monthly investment amount.
- Set the expected annual return (for example 12%).
- Choose how many years you will invest.
- Optionally add an annual step-up to raise your SIP each year.
- Read your invested amount, estimated returns, and maturity value.
How SIP returns are calculated
The calculator uses the future-value-of-a-series formula FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly investment, i is the monthly rate of return (annual return ÷ 12 ÷ 100), and n is the number of monthly instalments. This assumes a steady rate of return; real mutual fund returns vary, so treat the result as an estimate.
Frequently Asked Questions
What is a SIP?
A SIP (Systematic Investment Plan) is a way of investing a fixed amount into a mutual fund at regular intervals — usually monthly — instead of a single lump sum. It builds discipline and averages your purchase cost over time.
How are SIP returns calculated?
Using the future value of a monthly series: FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly amount, i is the monthly return rate, and n is the number of months. This tool computes it as you change the inputs.
Are the returns guaranteed?
No. Mutual fund returns depend on the market and are not fixed. The calculator assumes a constant expected return, so the maturity value is an estimate to help you plan, not a guarantee.
What return rate should I use?
It depends on the fund type and your assumptions. Many people use around 10–12% for equity funds as a long-term estimate, but you should choose a rate you are comfortable with and adjust it to be conservative.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — for example 10% — usually to keep pace with a rising salary. Set the annual step-up and the calculator raises the amount at each year mark, which can grow your maturity value substantially.
Is the SIP calculator free?
Yes — it is free, needs no sign-up, and runs entirely in your browser.