SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (e.g. monthly) in mutual funds or similar products. It helps with discipline, cost averaging, and long-term wealth creation.

How are SIP returns calculated?

SIP returns use compound growth. The maturity value depends on monthly investment, expected annual return, and number of months. This calculator uses the future value of a series of monthly investments. Results are estimates, not guarantees.

What return should I assume for SIP?

Historical equity market returns have often been in the 10–15% range per annum over long periods, but past performance does not guarantee future results. Use a conservative estimate (e.g. 10–12%) for planning. Debt funds typically offer lower, more stable returns.

Is SIP good for long-term goals?

SIPs are commonly used for long-term goals like retirement or children’s education because they encourage regular investing and can benefit from compounding. Start early and stay invested for at least 5–10 years to reduce the impact of short-term market volatility.

Can I change my SIP amount later?

Many mutual funds allow you to increase, decrease, or pause your SIP. Rules vary by fund and platform. Check with your provider. This calculator helps you see how different monthly amounts and tenures affect the estimated maturity.

SIP Calculator

Estimate your SIP maturity in seconds. Free, no signup. See how much your monthly SIP can grow.

Use the SIP Calculator below.

This SIP calculator helps you estimate the maturity value of your Systematic Investment Plan. Enter your monthly investment amount, expected annual return, and investment tenure in years. Use it for mutual fund SIPs or any regular investment. Results are estimates based on compound growth; actual returns may vary.

How to use SIP Calculator

Enter monthly investment
Input the amount you invest every month.
Enter expected return
Enter the expected annual rate of return (e.g. 12%).
Enter tenure
Select investment period in years.
View results
See estimated maturity amount and total wealth gained.

Features

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

Why use this calculator

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Supported browsers and devices

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Frequently asked questions

Complete guide to SIP Calculator

What is a SIP?

SIP stands for Systematic Investment Plan. It is a way to invest a fixed amount at regular intervals (e.g. every month) in mutual funds or similar products. SIPs help with discipline, rupee-cost averaging, and long-term wealth creation. This SIP calculator estimates the maturity value based on your monthly investment, expected return, and investment period.

How SIP returns are calculated

SIP returns are based on compound growth. The calculator uses the future value of a series of monthly investments: each contribution grows at the assumed annual return, compounded over the remaining months. The result is an estimate, not a guarantee; actual returns depend on market performance.

Typical expected returns (historical ranges)

Asset type	Typical range (p.a.)	Risk level
Equity mutual funds	10% – 15%	High
Debt / hybrid funds	6% – 9%	Low to medium
Index funds (broad market)	8% – 12%	Medium

SIP investing tips

Start early: Longer time in the market can help compounding.
Invest consistently: Regular investing helps average out market ups and downs.
Choose a realistic expected return: Use conservative estimates for planning.
Increase SIP amount when your income grows.
Review your goals and portfolio periodically.

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Disclaimer

Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.