Free SIP Calculator
Estimate what a monthly mutual fund SIP could grow to — no signup, nothing sent to a server.
Maturity value
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Invested amount
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Estimated returns
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How to calculate SIP returns
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1
Enter the monthly investment
Type the amount you plan to invest every month.
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2
Enter the expected annual return
Use a realistic long-term estimate for the fund or investment type.
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3
Set the investment period
Enter how many years you plan to keep investing.
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4
Read the maturity breakdown
Maturity value, total invested, and estimated returns update instantly as you type.
Example use cases
Goal planning
See roughly how much a monthly SIP could grow to for a future goal like a house down payment.
Comparing SIP amounts
Try different monthly amounts to see the effect on the final maturity value.
Comparing time horizons
Check how much extending the investment period by a few years changes the outcome.
Frequently asked questions
How is SIP maturity value calculated?
Maturity value = P × ({[1 + i]ⁿ − 1} ÷ i) × (1 + i), where P is the monthly investment, i is the monthly rate of return, and n is the total number of instalments.
What return rate should I use?
Enter the annual rate you expect the investment to earn on average. Equity mutual funds are often estimated in the 10–14% range historically, but returns are never guaranteed.
Does this account for expense ratios or exit load?
No, this is a simple compounding estimate on the return rate you enter. Actual fund performance, fees, and taxes will affect the real outcome.
Is my investment data sent to a server?
No. The calculation runs entirely in your browser — nothing is transmitted or logged.