SIP Calculator
Project how much your monthly SIP could grow to, with total invested and returns.
Returns are an estimate based on the rate you enter. Actual mutual-fund returns vary with the market and are not guaranteed.
100% private — every calculation runs in your browser and nothing is stored.
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The SIP Calculator estimates the future value of a Systematic Investment Plan. Enter your monthly amount, an expected annual return and the duration to see the projected maturity value, how much you invested, and the estimated gains. It's an estimate — actual returns vary with the market.
Why use this calculator
Future value estimate
See what a steady monthly SIP could grow to over time.
Invested vs returns
Splits the total into what you put in and the estimated gains.
Instant and private
Runs in your browser — nothing is submitted.
How to use it
Enter your monthly amount
How much you plan to invest each month.
Add return and duration
An expected annual return rate and the number of years.
See the projection
Maturity value, invested amount and estimated returns appear instantly.
Frequently asked questions
How is SIP maturity calculated?+
It uses the future value of a series formula: M × [((1+i)^n − 1) ÷ i] × (1+i), where M is the monthly amount, i is the monthly return, and n is the number of months.
Are the returns guaranteed?+
No. SIP returns depend on market performance and are not fixed. This calculator gives an estimate based on the expected return you enter — actual results will differ.
What return rate should I assume?+
It depends on the fund type. Equity funds have historically averaged higher long-term returns than debt funds, but past performance does not guarantee future results. Use a rate you're comfortable with.
Is my data saved?+
No. The calculation runs in your browser and nothing is stored.