A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals, usually monthly, combining rupee/dollar-cost averaging with compound growth.

How is SIP return calculated?

Each monthly installment compounds independently for the months it remains invested. The formula is FV = P x [(1+i)^n - 1] / i x (1+i), where P is the monthly amount, i is the monthly rate, and n is the number of months.

What return rate should I assume?

Historically, diversified equity funds have averaged around 10-12% annually over long periods, but past performance never guarantees future results. Use conservative estimates for planning.

SIP Calculator

Calculate returns on your monthly SIP investment. See total invested, estimated gains, and maturity value for any period.

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About SIP Calculator

The SIP calculator projects the future value of Systematic Investment Plans, showing how regular monthly investments grow with compounding returns.

A systematic monthly investment is how most people build wealth gradually — investing a fixed amount into funds every month. This tool models the end value and the total you invested, making it easy to see the growth gap.

When to Use SIP Calculator

Use it to project a monthly mutual fund plan, to compare expected returns at different rates, or to plan a disciplined savings goal.

Pro Tip

Projections assume a constant return rate — actual markets fluctuate, so treat the figure as a planning range, not a promise.

Key Features

Processes Monthly Investment, Expected Return Rate, Investment Period (Years) directly in your browser
Produces total value, estimated returns instantly
Completely free with no usage limits
No registration or account required

How to Use

Provide the required inputs (Monthly Investment, Expected Return Rate, Investment Period (Years)).
The tool processes everything locally in your browser and instantly produces the following results: Total Value, Estimated Returns.
Review the result, then copy it to your clipboard or download the output file directly from this page.

Privacy note: SIP Calculator runs 100% in your browser. Your data is never uploaded to any server, so nothing is stored or shared.

Benefits

Your data never leaves your device when using SIP Calculator - everything runs locally
Get accurate results in seconds
Works on desktop, tablet, and mobile
No software download or installation needed