What is a Systematic Investment Plan (SIP)?
A mutual fund SIP invests a fixed sum each month into a chosen scheme. This calculator estimates corpus growth using compounded monthly returns — useful for equity, hybrid and debt fund planning.
- Regular investments — invest a fixed amount at set intervals instead of one large lump sum.
- Rupee cost averaging — buy more units when prices are low and fewer when prices are high.
- Disciplined approach — automated contributions build a consistent saving habit.
- Compounding benefits — returns on returns accelerate long-term wealth creation.
What is a SIP Calculator?
A SIP calculator estimates the potential returns from your systematic investment plan. Enter monthly investment, expected growth rate and duration to see total investment, wealth gained and maturity value.
Benefits of Using a SIP Return Calculator
- Assists you to determine the amount you want to invest in.
- Tells you the total amount you have invested.
- Gives an estimated value of the returns.
How do SIP Calculators Work?
M = P × ((1 + r)^n − 1) / r × (1 + r)
Enter monthly SIP amount, expected annual return and investment period. Returns are compounded monthly, matching standard MF SIP calculators.
How to Use This Calculator
- Enter your monthly investment amount.
- Specify the investment duration in years.
- Input your expected annual rate of return.
- Switch between SIP, Lumpsum and Step up tabs to compare strategies.
Frequently asked questions
Which mutual fund return should I assume?
Use category averages as a rough guide: large-cap ~10–12%, flexi-cap ~11–13%, debt ~6–8%. Past performance is not indicative of future returns.
Are these calculators free to use?
Yes. All calculators are free, require no signup, and run entirely in your browser.
Results are estimates for planning purposes only — not investment, tax or legal advice. Verify rates on official sources before acting. Compare brokers on our best stock brokers guide or use the brokerage calculator.