FREE SIP Calculator – Calculate SIP Returns Online (Monthly & Yearly)

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Monthly Investment

Expected Annual Return (%)

Investment Period (Years)

Total Investment: 0

Wealth Gained: 0

Maturity Value: 0

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:

Monthly investment amount
Investment period (in years)
Expected annual return (percentage)

Using the compound interest formula, the calculator shows your:

Total invested amount
Estimated maturity value
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:

FV = Future Value (maturity amount)
P = SIP Amount
r = Periodic rate of return (annual rate / 12)
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:

Invest small amounts monthly
Reduce market risk via rupee cost averaging
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:

SIP amount: ₹5,000/month
Tenure: 10 years
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.