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.
Disclaimer: This calculator is for informational and educational purposes only and is not financial advice. Actual figures depend on your provider, interest rates, fees, taxes and personal circumstances. Consult a qualified financial professional before making financial decisions.
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.
Plan a SIP for a financial goal
Working toward a target like a 1 crore retirement corpus, a house down payment or a child's education? Set your expected return and time horizon, then adjust the monthly amount until the estimated maturity value reaches your goal. It turns a vague savings target into a concrete monthly figure you can actually start investing.
Compare different expected return rates
Mutual fund returns are never fixed, so run the same monthly amount and duration at several rates — say a conservative 8%, a moderate 12% and an optimistic 15%. Seeing how the maturity value swings between scenarios gives you a realistic best-to-worst range and stops you from banking on a single hopeful number.
See invested amount versus gains
The result splits your maturity value into the money you contributed and the growth compounding added on top. Stretch the time period from 10 to 20 or 25 years and watch the gains portion overtake your own contributions, making the long-term payoff of staying invested and starting early genuinely easy to grasp.
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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