SIP Calculator โ Systematic Investment Plan
Calculate your mutual fund SIP returns, total investment, and estimated wealth gain instantly
Calculate Your SIP Returns
| Year | Invested | Returns | Value |
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How to Use the SIP Calculator
- Type the amount you plan to invest every month in the SIP amount field.
- Enter the expected annual return rate as a percentage based on your chosen mutual fund category.
- Enter the number of years you plan to continue investing through SIP.
- Press the Calculate button to see your estimated future value, total invested amount, and wealth gain.
- Scroll down to see the year-by-year breakdown table of your SIP growth.
Key Features of This SIP Calculator
Instant Results
Get future value, total invested, and returns calculated within seconds.
Yearly Breakdown
View a detailed year-by-year table showing how your investment grows over time.
Visual Progress Bar
See the proportion of your investment versus returns in a clear visual bar.
100% Private
All calculations happen in your browser. No data is sent to any server.
Mobile Friendly
Works perfectly on all devices including smartphones, tablets, and desktops.
Indian Format
Results are displayed in Indian numbering format with the โน symbol for easy reading.
SIP Calculation Formula โ How It Works
The SIP calculator uses the standard future value of annuity formula with monthly compounding. This is the same formula used by mutual fund houses and financial advisors across India.
M = P ร [{(1 + r)^n โ 1} / r] ร (1 + r)Where:
M = Future value (maturity amount)
P = Monthly SIP amount
r = Monthly rate of return (annual rate รท 12 รท 100)
n = Total number of monthly installments (years ร 12)
The formula accounts for monthly compounding, meaning each installment earns returns, and those returns also earn returns in subsequent months. This compounding effect is what makes SIP a powerful wealth creation tool over long periods.
Practical SIP Examples
Example 1: Young Professional in Mumbai
Monthly SIP: โน5,000 | Return Rate: 12% | Duration: 20 years
Total Invested: โน12,00,000 | Future Value: โน49,95,740 | Wealth Gain: โน37,95,740
Starting early with just โน5,000/month can build nearly โน50 lakh over 20 years through the power of compounding.
Example 2: IT Employee in Bengaluru
Monthly SIP: โน15,000 | Return Rate: 14% | Duration: 15 years
Total Invested: โน27,00,000 | Future Value: โน1,01,78,282 | Wealth Gain: โน74,78,282
A higher SIP amount with a slightly aggressive return expectation can help create over โน1 crore in 15 years.
Example 3: NRI Investing from the USA
Monthly SIP: โน25,000 | Return Rate: 11% | Duration: 25 years
Total Invested: โน75,00,000 | Future Value: โน3,93,89,196 | Wealth Gain: โน3,18,89,196
NRIs investing in Indian mutual funds through SIP can build substantial wealth over a 25-year horizon.
Example 4: Teacher in Jaipur
Monthly SIP: โน2,000 | Return Rate: 12% | Duration: 30 years
Total Invested: โน7,20,000 | Future Value: โน70,59,895 | Wealth Gain: โน63,39,895
Even a small SIP of โน2,000 can grow to over โน70 lakh in 30 years, proving that consistency beats amount.
What Is a SIP Calculator?
A SIP Calculator is a financial planning tool that helps you estimate the future value of your Systematic Investment Plan investments. SIP is one of the most popular investment methods in India, especially for mutual fund investors who want to invest small amounts regularly rather than making a large lump sum investment.
With a SIP, you invest a fixed amount every month into a mutual fund scheme. Over time, the power of compounding works in your favour as each installment earns returns, and those returns generate additional returns. This calculator helps you visualise how your money grows year after year.
Whether you are planning for retirement, your child's education, buying a home, or building an emergency fund, understanding your SIP's projected growth helps you set realistic financial goals and choose the right investment amount and duration.
๐ Want to learn more about SIP investing strategies and how to maximise your returns?
Read Our Complete SIP Guide โFrequently Asked Questions
Is this SIP calculator free to use?
What is a Systematic Investment Plan (SIP)?
How is SIP return calculated?
What return rate should I enter for SIP calculation?
Can I use this calculator for lump sum investments?
Is the SIP calculator result guaranteed?
What is the minimum SIP amount in India?
How does compounding work in SIP?
Can NRIs use this SIP calculator?
Does this calculator account for taxes?
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