Calculate SIP returns with expected growth rate and investment period instantly.
| Year | Invested | Returns | Total Value |
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Enter Monthly SIP Amount: Type your monthly SIP investment amount in the field or choose from the preset options like ₹1,000, ₹5,000, ₹10,000 etc.
Set Expected Return Rate: Use the slider or type the expected annual return rate. Equity funds typically return 10–15%, debt funds 6–8%. Use 12% as a conservative equity estimate.
Choose Investment Period: Slide or type the number of years you plan to invest. SIPs work best over long periods (10+ years) due to compounding.
Click Calculate: Hit the "Calculate SIP Returns" button to instantly see your total invested amount, estimated returns, maturity value, and year-by-year growth projection.
Analyse Results: Review the breakdown table and yearly projection to plan your financial goals. Use the Reset button to start a new calculation.
A SIP Calculator (Systematic Investment Plan Calculator) is a free online tool that helps investors estimate the future value of their mutual fund SIP investments. Whether you're a first-time investor or a seasoned one, our monthly SIP calculator India makes it easy to project your wealth growth without any complex math.
The SIP returns calculator uses the standard compound interest formula: M = P × ({[1 + i]^n – 1} / i) × (1 + i), where P is the monthly investment, i is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the number of months. This gives you the approximate maturity value of your SIP investment at the end of the tenure.
Starting a SIP as early as possible maximises the power of compounding. For instance, investing just ₹5,000 per month for 20 years at 12% per annum can grow to over ₹49 lakhs — against a total investment of ₹12 lakhs. Use this mutual fund SIP calculator to set realistic investment goals and stay financially prepared for retirement, education, or any long-term milestone.