SIP Calculator — Mutual Fund SIP Returns
Plan your mutual fund investments with our SIP (Systematic Investment Plan) calculator. Enter monthly investment, expected return rate, and tenure to see your maturity corpus.
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SIP Calculator
FinanceFree · No signup
Expected Maturity Amount
₹11,61,695
Invested Amount
₹6,00,000
Wealth Gained
₹5,61,695
Invested (51.6%)Returns (48.4%)
💡 Enter monthly investment amount, expected returns, and duration to see your wealth grow.
Guide
How to Use SIP Calculator
Enter Monthly Investment
Input the amount you plan to invest every month via SIP.
Set Expected Return Rate
Enter the expected annual return rate (10-12% is typical for equity funds).
Set Investment Duration
Select how many years you plan to invest.
View Corpus & Returns
See your total investment, estimated returns, and final maturity amount.
Frequently Asked Questions
SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds regularly (monthly/quarterly). It leverages rupee cost averaging and compounding to build wealth over time.
It uses the formula: M = P × [(1+r)^n - 1] / r × (1+r), where M = maturity value, P = monthly investment, r = monthly return rate, n = number of months.
Historically, equity mutual funds in India have returned 12-15% annually over long periods. Debt funds return 6-8%. Use 10-12% as a conservative estimate for planning.
SIP is generally better for regular income earners as it averages out market volatility. Lump sum can be better if you invest during market lows. Many advisors recommend a combination.
Yes, SIPs are flexible. You can pause, stop, or change your SIP amount anytime without any penalty. Your already-invested units continue to grow.