Finance Tools

SIP Calculator

Calculate your SIP returns, maturity amount, and total wealth gained. Plan your mutual fund investments with accurate projections.

Runs in browserFree & no signupInstant projections

Investment Details

Monthly SIP Amount

₹

₹500₹1L

Expected Annual Return

1%30%

Investment Duration: 10 years

Maturity Amount

₹11.62 L

Total Invested

₹6.00 L

Wealth Gained

₹5.62 L

Portfolio Breakdown

Invested (52%)Returns (48%)

How to calculate SIP returns

Plan your mutual fund investments in four simple steps.

01
Enter your monthly SIP amount
Use the slider or type the amount you plan to invest every month. You can start with as little as ₹500.
02
Set the expected annual return
Enter the expected rate of return. Equity mutual funds have historically returned 10–15% annually. Debt funds typically return 6–8%.
03
Choose the investment duration
Select how many years you plan to invest using the preset buttons (1, 3, 5, 10, 15, 20, or 30 years).
04
See your results instantly
The maturity amount, total invested, and wealth gained update in real time. The portfolio breakdown bar shows the split between your investment and returns.

What people use it for

Four questions this calculator answers.

Retirement planning

Calculate how much you need to invest monthly to build a retirement corpus. Adjust the duration to see the power of starting early.

Child education fund

Plan for your child's higher education by setting a target year and working backwards to find the right monthly SIP amount.

Wealth creation

See how compounding works over long periods. A small monthly investment can grow significantly over 20–30 years.

Comparing mutual funds

Compare different funds by changing the expected return rate. See how a 1–2% difference in returns affects your final corpus.

Goal-based investing

Set a financial goal (home down payment, car, vacation) and calculate the monthly SIP needed to reach it in your target timeframe.

Tax-saving ELSS planning

Plan your ELSS (Equity Linked Savings Scheme) SIP to maximize Section 80C tax deductions while building long-term wealth.

Frequently asked questions

Everything you need to know about SIP investments and calculations.

SIP (Systematic Investment Plan) is a method of investing a fixed amount in a mutual fund at regular intervals (usually monthly). It helps build wealth through disciplined investing and the power of compounding.

The formula is: M = P × ((1 + r)^n - 1) / r × (1 + r), where P is the monthly investment, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of months. This assumes returns are compounded monthly.

Free, no account, no watermarks.

For equity mutual funds, a conservative estimate is 10–12% annually. For debt funds, 6–8% is typical. For ELSS, 12–15% is often used as a long-term estimate. Past returns do not guarantee future performance.

No. SIP is a method of investing, not a guaranteed return product. Mutual fund returns depend on market performance. The calculator shows projections based on a constant assumed rate, which may differ from actual returns.

Most mutual funds allow SIPs starting from ₹500 per month. Some funds allow ₹100. There is no maximum limit.

Yes. The tool works in any modern browser on desktop or mobile. All calculations are instant since they run locally in your browser.

A lump sum investment is a one-time investment of a large amount. SIP spreads the investment over time, reducing the impact of market volatility through rupee cost averaging. SIP is generally recommended for salaried investors.

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PPF Calculator

Project your PPF corpus with the current 7.1% tax-free rate.

FD Calculator

Fixed deposit maturity value with quarterly or annual compounding.

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How to calculate SIP returns

Plan your mutual fund investments in four simple steps.

Enter your monthly SIP amount

Use the slider or type the amount you plan to invest every month. You can start with as little as ₹500.

Set the expected annual return

Enter the expected rate of return. Equity mutual funds have historically returned 10–15% annually. Debt funds typically return 6–8%.

Choose the investment duration

Select how many years you plan to invest using the preset buttons (1, 3, 5, 10, 15, 20, or 30 years).

See your results instantly

The maturity amount, total invested, and wealth gained update in real time. The portfolio breakdown bar shows the split between your investment and returns.

What people use it for

Four questions this calculator answers.

Retirement planning

Calculate how much you need to invest monthly to build a retirement corpus. Adjust the duration to see the power of starting early.

Child education fund

Plan for your child's higher education by setting a target year and working backwards to find the right monthly SIP amount.

Wealth creation

See how compounding works over long periods. A small monthly investment can grow significantly over 20–30 years.

Comparing mutual funds

Compare different funds by changing the expected return rate. See how a 1–2% difference in returns affects your final corpus.

Goal-based investing

Set a financial goal (home down payment, car, vacation) and calculate the monthly SIP needed to reach it in your target timeframe.

Tax-saving ELSS planning

Plan your ELSS (Equity Linked Savings Scheme) SIP to maximize Section 80C tax deductions while building long-term wealth.

Frequently asked questions

Everything you need to know about SIP investments and calculations.

Free, no account, no watermarks.

Most mutual funds allow SIPs starting from ₹500 per month. Some funds allow ₹100. There is no maximum limit.

Yes. The tool works in any modern browser on desktop or mobile. All calculations are instant since they run locally in your browser.