Best SIP Calculator
Ultimate free tool to plan your mutual fund investments. Calculate returns accurately and build wealth systematically.
SIP Calculator
Adjust sliders to calculate mutual fund returns
Monthly Investment
Amount invested every month
Investment Period
Duration of your investment
Expected Return
Annual rate of return (p.a.)
Total Investment
Amount you invest
Estimated Returns
Your potential profit
Total Value
Future corpus value
Investment Growth
Visualize your wealth creation
Yearly Breakdown
Detailed growth projection
| Year | Investment | Returns | Total Value |
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What is a SIP Calculator?
A SIP Calculator is an online financial tool that helps investors estimate the future value of their Systematic Investment Plan. This mutual fund calculator uses the compound interest formula to project returns based on monthly investment amount, duration, and expected rate of return. Whether you're planning for retirement, child's education, or buying a house, this investment calculator provides accurate projections to help you make informed decisions.
Our ultimate SIP Calculator is designed for Indian investors to plan their mutual fund investments effectively. Unlike simple calculators, this tool shows year-by-year growth, helping you understand the power of compounding. Simply input your monthly SIP amount, investment duration, and expected annual returns to see how much wealth you can create.
How to Use This SIP Calculator
- Enter Monthly Amount: Input how much you can invest every month. Start with as low as ₹500.
- Select Duration: Choose your investment period. Longer durations benefit more from compounding.
- Set Expected Return: Enter expected annual return. Equity funds typically give 10-15% returns.
- Calculate: Click the button to see your total investment, estimated returns, and final corpus value.
- Analyze: Review the yearly breakdown table and growth chart to understand your investment journey.
Benefits of SIP Investment
- Rupee Cost Averaging: Invest fixed amounts monthly to average out market volatility.
- Power of Compounding: Earn returns on your returns. Starting early maximizes wealth creation.
- Disciplined Investing: Automate investments to build wealth systematically without emotional decisions.
- Flexibility: Start with small amounts and increase gradually through step-up SIP.
- Professional Management: Mutual funds are managed by expert fund managers.
SIP vs Lump Sum Investment
While lump sum investments can give higher returns in bull markets, Systematic Investment Plans are safer and more suitable for most investors. SIPs reduce the risk of market timing and help accumulate more units when markets are down. Use our calculator to compare different scenarios and choose the best strategy for your financial goals.
Related Financial Tools
- EMI Calculator - Calculate loan EMIs
- Compound Interest Calculator - Calculate interest earnings
- Percentage Calculator - Calculate returns percentage
Frequently Asked Questions
Yes! This SIP Calculator is 100% free with no registration required. Calculate unlimited projections.
Our calculator uses standard mutual fund formulas. However, actual returns depend on market performance and fund selection.
Most mutual funds allow SIP starting from ₹500 per month. You can start small and increase gradually.
Yes, you can increase or decrease your SIP amount anytime. Many investors use step-up SIP to increase investments annually.
Learn More About SIP
- Wikipedia: Systematic Investment Plan - Detailed information about SIP
- AMFI India - Association of Mutual Funds in India
- SEBI - Securities and Exchange Board of India
Investment Tips
Start Early
Starting 5 years earlier can double your returns due to compounding effect.
Step-up SIP
Increase your investment by 10% every year to accelerate wealth creation.
Stay Consistent
Continue investments through market ups and downs for best results.