SIP Calculator
Free SIP calculator for mutual funds. See your invested amount, estimated returns and total maturity value with a year-by-year growth chart — instantly, in your browser.
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🔒 Calculated in your browser. Returns are estimates based on a constant rate — actual mutual fund returns vary and are not guaranteed.
Free SIP Calculator
This free online SIP calculator shows how much your monthly mutual fund investment could grow over time. Enter your monthly SIP amount, an expected return rate and how long you’ll invest, and instantly see your total invested amount, estimated returns and final value — plus a year-by-year growth chart. It runs entirely in your browser.
How to use the SIP calculator
- Enter your monthly investment — the amount you’ll invest each month.
- Set an expected annual return rate (equity funds have historically returned around 10–14%).
- Choose your time period in years.
- See your maturity value, invested amount and estimated returns update live.
- Scroll the year-by-year table to watch compounding work over time.
What is a SIP and how does it grow?
A SIP (Systematic Investment Plan) is a way to invest a fixed amount in a mutual fund every month. Because you invest regularly, you buy more units when prices are low and fewer when they’re high — this is called rupee-cost averaging. Over the long term, your returns also earn returns, so the money compounds. The calculator uses the standard SIP future-value formula with monthly compounding to estimate your corpus.
The longer you stay invested, the more powerful compounding becomes — which is why starting early, even with a small amount, often beats investing a larger amount later. Remember that mutual fund returns are not fixed or guaranteed; this tool assumes a constant rate to give you a realistic estimate, not a promise.