SIP Calculator
Calculate the future value of your monthly SIP investments with expected returns.
How to use
Enter your values and pick a mode if the tool offers one.
Click calculate — results appear instantly, computed in your browser.
Copy the result or save the tool to your favorites.
Frequently asked questions
A Systematic Investment Plan lets you invest a fixed amount in a mutual fund at regular intervals, typically monthly.
It uses the future value of an annuity formula: M × ([(1+i)^n − 1] / i) × (1+i), where M is the monthly amount, i the monthly rate, and n the number of months.
No. Market-linked returns vary. The figure you enter is an assumption for estimation, not a promise.
No. It shows nominal growth before any capital gains tax or inflation adjustment.
Entirely in your browser — your numbers never leave your device.
About the SIP Calculator
A Systematic Investment Plan, or SIP, is a way of investing a fixed amount in a mutual fund at regular intervals, usually every month. This calculator estimates what those regular investments could grow to over time, based on an expected annual rate of return, and separates how much you invested from the returns earned.
How it works
The calculator uses the future value of an annuity formula. Each monthly contribution earns returns for the remaining months, so earlier investments compound for longer. You enter your monthly amount, an expected annual return, and the number of years, and it shows the total invested, the estimated returns, and the projected final value.
Why SIPs are popular
Investing a fixed sum regularly spreads your purchases across market highs and lows, a practice known as rupee cost averaging. It removes the pressure of timing the market and builds a disciplined habit. Over long periods, compounding can turn modest monthly amounts into a substantial corpus.
Important caveats
The expected return you enter is an assumption, not a guarantee. Mutual fund returns are market-linked and vary year to year; actual outcomes can be higher or lower. The calculator shows nominal growth before inflation and before any capital gains tax, so treat the figure as an estimate for planning rather than a promise.
Tips
Try a few different return assumptions to see a realistic range rather than a single optimistic number. Longer horizons benefit most from compounding, so starting early matters more than investing large amounts later. To plan loan repayments alongside your investments, use the EMI Calculator, and for tax-saving instruments the PPF Calculator. This tool runs entirely in your browser.