SIP Calculator – Estimate Returns on Your Monthly Investments

This SIP Calculator estimates how much your monthly mutual fund investments can grow over time. Enter your monthly SIP amount, expected annual return rate, and investment tenure to instantly see the estimated maturity value, total amount invested, and total returns. Use it to plan your financial goals before you start investing.

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SIP Calculator

Monthly Investment (₹)
₹500₹2L
Expected Return Rate (% p.a.)
1%30%
Time Period (Years)
1 Year35 Years

SIP Calculation Results

₹23,23,391
Invested Amount
Est. Returns
₹23,23,391
Expected Total Maturity
₹12,00,000
Invested Amount
₹11,23,391
Est. Returns
Investment Breakdown
Invested Amount₹12,00,000
Estimated Wealth Gain₹11,23,391
Total Maturity Value₹23,23,391
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What is a SIP Calculator?

A SIP Calculator is an online tool that estimates the future value of your monthly mutual fund investments. Enter the monthly SIP amount, expected annual return rate, and investment tenure, and the calculator returns the maturity value, total amount invested, and estimated returns, giving you a clear picture of what regular investing can build over time.

How to Use SIP Calculator – 3 Step Flow

Streamline your finances with an easy, automated process — calculate, plan, and achieve your financial goals.

1STEP

Enter your investment details

Input your monthly SIP amount, the annual return rate you expect from your mutual fund, and the investment tenure in years. Start with realistic return assumptions — equity mutual funds have historically returned between 10%–14% annually over long periods, though past returns are not a guarantee of future performance.

2STEP

View the projected result

The calculator instantly displays the estimated maturity value, total principal you will have invested, and the total returns generated. A visual breakdown helps you see how much of the final corpus is your own investment versus returns from compounding.

3STEP

Adjust to match your goal

Change the SIP amount or tenure to reach a target corpus. Increasing tenure has a significant impact on the final amount due to compounding. Use this to work backwards from a financial goal and determine the monthly investment you need.

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Frequently Asked Questions

A SIP Calculator is an online tool that estimates the maturity value of your monthly Systematic Investment Plan contributions. It uses the expected return rate and investment tenure to project how much your investments can grow, helping you plan for specific financial goals.

You need three values: the monthly SIP amount you plan to invest, the expected annual return rate, and the investment tenure in years. The calculator instantly returns the estimated maturity value, total principal invested, and total returns based on these inputs.

SIP returns are calculated on a compounding basis. Each monthly instalment earns returns, and those returns are reinvested, meaning the longer you stay invested, the more compounding works in your favour. This is why tenure significantly impacts the final maturity value.

This depends on the type of mutual fund you plan to invest in. Equity funds have historically delivered 10%–14% annually over long periods, while debt funds typically range from 6%–8%. Use a conservative estimate to avoid overestimating your returns.

No. The calculator gives a pre-tax, pre-inflation estimate of your maturity value. Long-term capital gains tax on equity mutual funds (above ₹1.25 lakh) and inflation should be factored in separately when planning your actual investment goals.

Yes. If you have a target corpus in mind, adjust the monthly SIP amount and tenure until the maturity value matches your goal. This works well for goals like children's education, home down payment, or retirement planning.