What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) invests a fixed sum in mutual funds at regular intervals — usually monthly. This calculator estimates the maturity value using compounded monthly returns, the same approach used by leading Indian fintech platforms.
- 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), where r is the monthly rate and n is the number of months.
Enter your monthly investment, expected annual return and investment period. The calculator converts the annual return to an effective monthly rate (compounded, not simply divided by 12) and projects your corpus at maturity.
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
What is a SIP calculator?
A SIP calculator estimates the future value of regular monthly investments in mutual funds based on an assumed rate of return and investment period.
Is the return rate guaranteed?
No. Mutual fund returns depend on market performance. The rate you enter is an assumption for planning purposes only.
How is monthly return calculated from annual return?
We use effective monthly compounding: monthly rate = (1 + annual return)^(1/12) − 1. Dividing the annual rate by 12 alone would overstate 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.