SIP Calculator – Plan Your Investments Smarter
Investing regularly through a Systematic Investment Plan (SIP) can be a powerful way to build wealth. But do you know how much your monthly contributions will grow over time? That’s where our SIP Calculator comes in.
Whether you’re a beginner exploring mutual funds or a seasoned investor fine-tuning your portfolio, using a SIP return calculator gives you a clear idea of your investment growth, expected corpus, and total returns.
Let’s explore how this free online tool can help you make smarter financial decisions.
What Is a SIP Calculator?
A SIP Calculator is an online tool that helps you estimate the returns from your monthly SIP investments over a period of time. It considers three key factors:
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Monthly investment amount
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Investment period (in years)
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Expected annual return (percentage)
Using the compound interest formula, the calculator shows your:
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Total invested amount
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Estimated maturity value
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Total gains
This makes it easier to visualize how small monthly contributions can turn into a significant amount over the years.
Why Use an SIP Calculator?
Here’s why this tool is essential for every mutual fund investor:
🎯 1. Instant Results
No need to manually crunch numbers. Our calculator instantly shows you how much your SIP can grow.
📊 2. Visual Insights
The tool includes a pie chart that visually breaks down your invested capital vs gains, making it easy to interpret.
📆 3. Long-Term Planning
Planning for a dream vacation, child’s education, or early retirement? A SIP calculator helps you pick the right amount and duration.
💡 4. Flexibility to Compare
You can adjust your inputs and simulate different scenarios to compare returns for 5 years, 10 years, 15 years or more.
How Does a SIP Calculator Work?
SIP returns are typically calculated using the future value of annuity formula:
FV = P × [((1 + r)^n – 1) / r] × (1 + r)
Where:
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FV = Future Value (maturity amount)
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P = SIP Amount
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r = Periodic rate of return (annual rate / 12)
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n = Total number of SIP installments (months)
You don’t need to remember the formula — just enter the inputs and let the tool do the math.
SIP vs Lump Sum – Which is Better?
A SIP is ideal if you want to:
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Invest small amounts monthly
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Reduce market risk via rupee cost averaging
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Build long-term wealth without timing the market
However, for large windfalls or short investment periods, a Lump Sum investment might offer better returns.
👉 Try our Lump Sum Calculator to compare both strategies.
Example: How Much Will ₹5,000 Monthly Grow In 10 Years?
Let’s assume:
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SIP amount: ₹5,000/month
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Tenure: 10 years
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Expected return: 12% annually
Using the SIP calculator, your investment will grow to approximately ₹11.6 Lakhs, out of which ₹6 Lakhs is your invested amount and ₹5.6 Lakhs is gain.
Try it yourself using our SIP Calculator above.
Benefits of Using Our SIP Calculator
✔️ Clean, mobile-friendly design
✔️ Real-time results — no refresh needed
✔️ Toggle between monthly/yearly view
✔️ Pie chart to show growth breakdown
✔️ Pre-filled values to get started instantly
Related Tools You May Like
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EMI Calculator – Plan loan repayments
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FD Calculator – Estimate fixed deposit interest
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Lumpsum Calculator – For one-time mutual fund investments
Learn More:
For a detailed understanding of SIPs and mutual fund investing, check out Groww’s SIP Investment Guide or ET Money’s Mutual Fund Basics.
