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SIP Calculator

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Mutual fund SIP returns & maturity

Maturity Value

₹11,61,695

Invested

₹6,00,000

Estimated Gains

₹5,61,695

SIP = Systematic Investment Plan, common in mutual fund investing. This calculator compounds monthly.

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About SIP Calculator

A ₹5,000 monthly SIP can grow into tens of lakhs over two decades — but only if you understand compounding and stay invested. This SIP Calculator projects your mutual fund investment's future value from monthly amount, expected annual return and tenure, showing exactly how much you invested versus how much compounding added.

Adjust the sliders to plan goals: a down payment in 7 years, a corpus in 20, a child's education in 15. The chart and numbers update instantly, and everything computes locally on your device.

Part of Toolverse's Calculators collection, this page also connects you to related tools so you can finish the whole job without hunting across the internet. Bookmark /tool/sip-calculator and your next sip calculator task takes ten seconds.

Part of Toolverse's Calculators collection, this page also connects you to related tools so you can finish the whole job without hunting across the internet. Bookmark /tool/sip-calculator and your next sip calculator task takes ten seconds.

Key Features

  • check_circleMutual fund SIP returns & maturity — in seconds, right in your browser
  • check_circleNo signup, no installation, no watermark
  • check_circle100% private — files and data processed locally, never uploaded
  • check_circleWorks on desktop and mobile browsers
  • check_circleFree and unlimited — ad-supported, never paywalled
  • check_circleWorks offline once the page has loaded

How to Use

  1. 1

    Open the tool

    Load this page — SIP Calculator starts instantly, no signup or download needed.

  2. 2

    Provide your input

    Drop your file or paste your data. It is read locally by your browser — nothing is uploaded.

  3. 3

    Get the result

    The tool processes instantly and shows the output, with options to adjust as needed.

  4. 4

    Download or copy

    Save the result to your device or copy it to the clipboard. Done — in under a minute.

Frequently Asked Questions

How is SIP future value calculated?

The tool uses the standard annuity-due formula FV = P × ((1+i)^n − 1)/i × (1+i), where P is the monthly investment, i the monthly return rate and n the number of months.

What return rate should I assume?

Historically, diversified Indian equity funds have averaged roughly 10–12% annually over long periods. Debt funds trend lower. Always treat projections as estimates, not guarantees.

Are SIP returns guaranteed?

No — mutual funds carry market risk and returns vary year to year. The calculator shows a mathematical projection assuming your chosen rate holds.

Does it account for step-up SIPs?

This calculator models a fixed monthly amount. For annual step-up planning, use the advanced SIP Planner in Calculator Studio.