SIP Calculator — Calculate Your Mutual Fund SIP Returns
A SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your mutual fund investments made through regular monthly contributions. Enter your monthly investment amount, expected rate of return, and investment duration to see your maturity value instantly.
SIPs allow you to start investing with small amounts and benefit from rupee cost averaging and the power of compounding. Use this calculator to plan your financial goals — whether it's retirement, your child's education, or buying a house.
SIP Calculation Formula
- M = Maturity amount
- P = Monthly investment
- i = Monthly rate (annual ÷ 12 ÷ 100)
- n = Number of months
For example, investing ₹25,000/month for 15 years at 12% expected return gives a maturity value of approximately ₹1.26 crore, with your total investment being just ₹45 lakh and returns of ₹81 lakh.
This calculator is for informational purposes only. Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. The expected return rate is illustrative — actual returns may be higher or lower. Consult a SEBI-registered financial advisor before making investment decisions.
Frequently Asked Questions
Find answers to common questions about sip calculator. Click on any question to expand the answer.
A SIP (Systematic Investment Plan) calculator is a tool that helps you estimate the future value of your mutual fund SIP returns. It shows how your small, regular investments can grow over time with the power of compounding in 2026.
The calculator uses the standard future value formula, taking into account your monthly investment amount, the expected annual rate of return, and the investment duration (in years).
Historically, equity mutual funds have delivered returns in the range of 12-15% per annum over the long term. However, past performance is not indicative of future returns. It's advisable to use a conservative rate for planning.
Yes, our calculator offers both a slider for quick adjustments and a manual input field for precise values, giving you full control over your calculations.
No, this calculator is a tool for estimation and illustration purposes only. Mutual fund investments are subject to market risks, and the actual returns may vary.
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