What is a SIP Calculator?
A SIP Calculator is a free online tool that helps you calculate sip returns, maturity amount and wealth gained on your monthly systematic investment plan in mutual funds. FinCalc Pro offers India's most accurate SIP Calculator with instant results, detailed charts, and step-by-step breakdowns — completely free with no login required.
SIP Calculator Formula
M = Maturity Amount | P = Monthly SIP | i = Monthly Rate (Annual÷12÷100) | n = Total Months (Years×12)
How to Use SIP 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
SIP Calculator — Example
Monthly SIP: ₹10,000 | Rate: 12% p.a. | Period: 10 years → Invested: ₹12,00,000 | Returns: ₹11,61,695 | Maturity: ₹23,61,695
Benefits of Using SIP Calculator
- 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 — SIP Calculator
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.