What is SIP Calculator?
Calculate SIP returns, maturity amount and wealth gained on your monthly Systematic Investment Plan in mutual funds Simply enter your values, and the calculator instantly computes accurate results using standard financial formulas. All calculations are performed entirely in your browser — nothing is stored or transmitted.
Reviewed and last updated on 1 August 2026 by the FinCalc Pro Editorial Team.
What the SIP Calculator Really Tells You
A SIP calculator answers one practical question: if I invest a fixed amount every month at a given expected return, how much will I accumulate, and how much of that is my own money versus investment gains? The two-line answer — invested amount and estimated returns — is often more useful than a single maturity figure, because it separates discipline (what you put in) from compounding (what the market adds).
The monthly compounding assumption matters. The calculator converts your annual expected return into a monthly rate and compounds it every month on the running balance. This mirrors how mutual fund NAVs are computed and how the SIP formula (M = P × ((1+i)^n − 1)/i × (1+i)) actually behaves. Using a monthly rate rather than a simple annual split is why the result matches the real-world behaviour of a SIP closely over long periods.
The Power of Compounding in a SIP
Consider ₹10,000 per month at 12% for 10 years. You invest ₹12,00,000 of your own money, and the calculator shows roughly ₹23.6 lakh at maturity — meaning ₹11.6 lakh of the final corpus is pure returns. Extend the same SIP to 20 years, and the maturity figure climbs to around ₹1 crore on an invested amount of ₹24 lakh. The returns portion rises from about 49% of the corpus to 76%. This is compounding: returns earned on earlier returns dominate the longer you stay invested.
This is why the most important input is time, not the monthly amount. Doubling the monthly SIP doubles the invested amount, but extending the period by just five years can more than double the final corpus because the compounding curve steepens sharply after year 10.
Choosing a Realistic Expected Return
The return assumption is the single most sensitive input. Most equity mutual funds have historically delivered 12–14% CAGR over 10+ year horizons, while debt funds and hybrid funds land closer to 7–9%. Using 12% for an equity SIP is a reasonable planning number, but you should stress-test with 10% and 14% to see the range of outcomes. A calculator that only shows an optimistic single number gives a false sense of certainty.
Inflation matters too. If you plan for a goal 20 years away, a rupee today is worth roughly a third in 20 years at 6% inflation. When your calculator gives a nominal corpus, mentally discount it for inflation to understand purchasing power. Some goals — a child's college fees — inflate faster than the general rate, so use a higher assumed cost growth for those.
Formula Used
M = Maturity Amount | P = Monthly SIP | i = Monthly Rate (Annual÷12÷100) | n = Total Months (Years×12)
How to Use This Calculator
- Enter your monthly SIP investment amount in rupees
- Enter the expected annual return rate (typically 10–15% for equity funds)
- Select the investment period in years
- Click Calculate to see your maturity amount and total returns
- View the pie chart showing invested amount vs estimated returns
Worked Example
Monthly SIP: ₹10,000 | Rate: 12% p.a. | Period: 10 years → Invested: ₹12,00,000 | Returns: ₹11,61,695 | Maturity: ₹23,61,695
Why Use This Tool?
- See the power of compounding clearly
- Plan financial goals with exact numbers
- Compare different SIP amounts and durations
- Completely free with no login required
Frequently Asked Questions
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps you estimate the returns on your monthly mutual fund investments. It calculates the maturity amount based on your monthly investment, expected rate of return, and investment period.
What formula does the SIP Calculator use?
M = P × ({[1 + i]^n – 1} / i) × (1 + i), where M = maturity amount, P = monthly investment, i = monthly interest rate (annual rate÷12÷100), n = total months.
How much will ₹5,000/month SIP give after 15 years?
At 12% expected return, ₹5,000 monthly SIP for 15 years gives approximately ₹25,22,880 on an investment of ₹9,00,000 — earning returns of ₹16,22,880.
Is SIP better than FD?
SIP in equity mutual funds has historically given 10–15% annual returns over long periods, compared to FD returns of 6–7%. For long-term goals (5+ years), SIP is generally better due to the power of compounding.
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