Free Online SIP Calculator
Project Your SIP Mutual Fund Investment Growth
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A SIP (Systematic Investment Plan) is a way of investing a fixed amount into a mutual fund at regular intervals — typically monthly — rather than investing a lump sum all at once. It's one of the most common ways retail investors in India build long-term wealth, since it enforces disciplined, regular investing and benefits from rupee-cost averaging (buying more units when prices are low and fewer when prices are high) rather than trying to time the market.
Projected value assumes a constant rate of return, which real mutual fund investments never deliver exactly — actual SIP returns fluctuate with the market and are never guaranteed.
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Features
- Runs entirely in your browser
- Privacy-first — your data is never uploaded
- Real-time, instant results
- 100% free, no sign-up required
- Works on desktop, tablet, and mobile
- No installation needed
Who uses this tool?
About SIP Calculator
A SIP (Systematic Investment Plan) is a way of investing a fixed amount into a mutual fund at regular intervals — typically monthly — rather than investing a lump sum all at once. It's one of the most common ways retail investors in India build long-term wealth, since it enforces disciplined, regular investing and benefits from rupee-cost averaging (buying more units when prices are low and fewer when prices are high) rather than trying to time the market.
This tool projects the future value of a SIP using the standard SIP future value formula, which accounts for the fact that each monthly contribution compounds for a different length of time — the first contribution compounds for nearly the entire investment period, while the last contribution barely compounds at all before the end date. Getting this calculation right requires summing the compounded value of every individual contribution, not just applying a single compound interest formula to the total invested amount.
Enter your planned monthly investment, an expected annual rate of return, and your investment period in years, and the tool shows your total invested amount (simply monthly investment × number of months), the estimated returns (the growth beyond what you actually put in), and the projected total maturity value.
The projected return rate is an assumption you provide, not a guarantee — mutual fund returns fluctuate with the market and are never fixed or assured, unlike a bank fixed deposit. This tool is meant for planning and goal-setting purposes, showing what a given return assumption would produce, not as a promise of actual future performance.
How it works
- Enter your planned monthly investment amount. The fixed amount you'll invest each month.
- Enter an expected annual return and investment period. Your assumed rate of growth and how many years you'll continue investing.
- View your projected maturity value. See invested amount, estimated returns, and total projected value.
Examples
10-year SIP projection
Input
₹5,000/month, 12% expected return, 10 years
Output
Invested: ₹6,00,000 — Estimated returns: ₹5,61,695.38 — Maturity value: ₹11,61,695.38