SIP Calculator
Use this free SIP Calculator to estimate how much your monthly mutual fund investment could grow over time. Enter your monthly SIP amount, investment duration and expected annual return to calculate total investment, estimated returns, maturity value and inflation-adjusted corpus.
Worked example
Monthly SIP ₹5,000 for 20 years at an assumed 12% a year, no step-up, invested at the beginning of each month: total invested ₹12,00,000, estimated returns about ₹37.96 lakh, estimated future value about ₹49.96 lakh.
The example is illustrative. Mutual fund returns are market-linked and actual results may be higher or lower.
How this SIP Calculator works
A SIP return calculator estimates the value of regular monthly investments compounding at an assumed rate. For a regular SIP the formula is:
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
FV is the estimated future value, P the monthly SIP, r the monthly rate (annual rate ÷ 12 by default) and n the number of monthly instalments. The (1 + r) factor applies to beginning-of-month investing; end-of-month investing omits it. If r is 0, FV = P × n.
Step-up SIP: the calculator runs month by month and raises the SIP at the start of each investment year, by a percentage or a fixed ₹ amount. Inflation: value in today’s money = future value ÷ (1 + inflation)^years; actual inflation will vary. Target modes: the required SIP is solved from the same model. Goal mode first inflates your goal amount to the goal date. Tax, expense ratios and exit load are not included.
Privacy: all calculations run in your browser; nothing you enter is sent or stored.
Frequently asked questions
Is a SIP return guaranteed?
No. Mutual fund returns are market-linked. The return you enter is an assumption, and actual results may be higher or lower.
Can I use the calculator for equity mutual funds?
Yes. It works for any fund where you invest a fixed amount regularly, but it assumes one constant return, whereas real fund returns fluctuate.
What return should I enter?
There is no single right number. Test a range of conservative and optimistic values, and remember that the past performance of a fund does not predict future returns.
Does the calculator include tax?
No. Tax on mutual fund gains depends on the fund type, holding period and current tax rules, so check them separately.
What is a step-up SIP?
A SIP whose amount increases at fixed intervals, usually every year. It can raise the final corpus, but it also increases what you invest.
Can I withdraw a SIP anytime?
Most open-ended funds allow redemption at any time, but exit load, taxes and lock-ins (for example ELSS funds) may apply. Check the scheme documents.
Does SIP reduce market risk?
Investing regularly spreads your purchase prices over time, which can reduce timing risk, but it does not remove market risk or guarantee a profit.
Is SIP suitable for every investor?
Not necessarily. Suitability depends on your goals, time horizon, risk tolerance and finances. Consider an emergency fund first and consult a SEBI-registered adviser if unsure.