SIP Calculator
Estimate what your monthly SIP could grow to over time, and how much of that is investment gains. Calculated in your browser.
Estimates only, not investment advice. Actual returns vary, mutual fund investments are subject to market risks. The calculation assumes a fixed monthly-compounded return. Your inputs never leave your device.
Estimate what a monthly mutual-fund SIP could grow to over time, and how much of the final value is your own investment versus returns. A quick planning tool for anyone investing regularly.
How to use
- Enter your monthly investment amount.
- Enter an expected annual return and the number of years you'll invest.
- Calculate to see the estimated maturity value, total invested, and estimated gains.
Frequently asked questions
How does a SIP calculator work?
It applies compound growth to a series of equal monthly investments, assuming a fixed annual return compounded monthly. The result is an estimate, actual mutual-fund returns vary with the market.
What return rate should I assume?
That's your choice and depends on the fund type. Many people model equity SIPs somewhere in the low-teens percent and debt lower, but past performance doesn't guarantee future returns. Try a few rates to see the range.
Are SIP returns guaranteed?
No. Mutual fund investments are subject to market risk. This calculator is for illustration and planning only, not investment advice.