SIP Calculator
Last updated: May 4, 2026Estimate mutual fund SIP returns.
SIP Calculator is a free online calculator to estimate mutual fund SIP returns. It runs entirely in your browser, so your files never leave your device — nothing is uploaded. There's no sign-up, no watermark, and it works on any modern browser on desktop or mobile.
How to use SIP Calculator
This SIP calculator estimates how a monthly mutual fund investment could grow using the future value of a series formula M = P times (((1+i)^n minus 1) divided by i) times (1+i), where i is the monthly return and n is the number of installments. Enter your monthly amount, expected annual return and duration to see the projected maturity value and total gains. Investors use it to plan systematic investment goals.
Read the full guide: How to Calculate SIP Returns: Formula and Examples
- 1Enter your monthly SIP amount and how many years you plan to invest.
- 2Set the expected annual rate of return for the fund.
- 3Read the estimated maturity value, your total invested amount and the projected gains.
Goal-focused planning
See whether a chosen monthly amount can reach your target over your time frame.
Separates capital from gains
It splits the maturity value into what you put in and what growth added.
Adjustable assumptions
Change the return rate or duration to model optimistic and cautious scenarios.
SIP Calculator — frequently asked questions
How does a SIP calculation work?
Each monthly contribution compounds for the months remaining until maturity, so early installments grow the most. The tool sums all contributions using the future value of an annuity formula with a monthly rate derived from your expected annual return.
Is the maturity amount guaranteed?
No. Mutual fund returns vary with the market, so the figure is an estimate based on a constant assumed return. Actual results will be higher or lower depending on how the fund performs.
Should I use the nominal or real return rate?
Enter the annual return you realistically expect from the fund. If you want an inflation-adjusted view of buying power, use a lower real return rate instead of the nominal one.
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