SIP Calculator
Calculate your SIP (Systematic Investment Plan) maturity value, wealth gained, and year-by-year growth for any monthly investment amount, expected return rate, and duration. Includes a return rate comparison table across 8%, 10%, 12%, 15%, and 18% p.a. Supports INR, USD, EUR, GBP, CAD, and AUD — free, private, and no signup required.
Enter your monthly SIP investment, expected annual return rate, and investment duration to instantly calculate your maturity amount, wealth gained, and a year-by-year growth breakdown. All calculations run locally in your browser — no data is sent to any server.
Amount invested each month
Typical equity mutual fund: 10–15%
M = P × ((1 + r)ⁿ − 1) / r × (1 + r)
- M — Maturity value (total corpus)
- P — Monthly SIP investment amount
- r — Monthly interest rate (annual rate ÷ 12 ÷ 100)
- n — Total number of months (years × 12)
Why Use Our SIP Calculator?
Instant SIP Returns Calculation
Enter your monthly SIP amount, expected return rate, and duration to get your maturity value, wealth gained, and full year-by-year growth table instantly. The SIP calculator processes everything in your browser with zero loading time.
Secure SIP Calculator Online
The SIP calculator runs entirely in your browser. Your investment amount, return rate, and financial details are never sent to any server — no data collection, no tracking, completely private.
SIP Calculator — No Installation
Use the SIP calculator directly in any modern browser with no downloads, apps, or plugins required. Supports INR, USD, EUR, GBP, CAD, and AUD with investment durations from 1 to 50 years.
100% Free with Rate Comparison Table
The SIP calculator is completely free with no signup, no usage limits, and no ads. Get a full year-by-year growth table, investment vs. returns breakdown, and a return rate comparison across 8%, 10%, 12%, 15%, and 18% — free forever.
Common Use Cases for SIP Calculator
Retirement Corpus Planning
Use the SIP calculator to determine how much you need to invest monthly to build a retirement corpus of ₹1 crore, ₹5 crore, or any target amount. Adjust the return rate and duration to find the right SIP amount for your retirement timeline.
Child Education Fund
Plan a child education fund by using the SIP calculator to project how a monthly SIP grows over 10–18 years. Calculate the monthly investment needed today to accumulate the target amount for college fees.
Comparing SIP vs. Lumpsum
Use the SIP calculator alongside the compound interest calculator to compare the maturity value of a monthly SIP against a one-time lumpsum investment at the same return rate and duration.
Evaluating Return Rate Impact
The SIP calculator includes a return rate comparison table showing maturity values at 8%, 10%, 12%, 15%, and 18% for your exact inputs — helping you understand how fund selection affects long-term wealth creation.
Step-Up SIP Planning
Use the SIP calculator to model the base SIP amount, then manually increase the monthly investment each year to simulate a step-up SIP strategy where you increase contributions as your income grows.
Financial Literacy and Education
Teachers, financial advisors, and students use the SIP calculator to demonstrate the power of compounding and rupee cost averaging. The year-by-year breakdown makes the exponential growth of SIP investments tangible and easy to understand.
Understanding the SIP Calculator
What is a SIP Calculator?
A SIP calculator (Systematic Investment Plan calculator) is a financial tool that computes the maturity value of a fixed monthly investment over a specified period at an expected annual return rate. SIP is a method of investing in mutual funds where you invest a fixed amount every month — similar to a recurring deposit, but in equity or debt mutual funds. The SIP maturity formula M = P × ((1 + r)ⁿ − 1) / r × (1 + r) calculates the future value of all monthly investments compounded at the monthly rate. Our SIP calculator applies this formula instantly in your browser, showing you the total invested amount, wealth gained, and a complete year-by-year growth breakdown — with no signup required.
How Our SIP Calculator Works
- Enter Your SIP Details: Input your monthly SIP investment amount, expected annual return rate (typically 10–15% for equity mutual funds), and investment duration. The SIP calculator supports durations from 1 to 50 years and currencies including INR, USD, EUR, GBP, CAD, and AUD.
- Instant Browser-Based Calculation: Click “Calculate SIP Returns” and the SIP calculator applies the standard SIP maturity formula entirely in your browser. No data is sent to any server — your investment details stay completely private on your device.
- Review Results and Growth Table: The SIP calculator displays your maturity value, total invested amount, and wealth gained in summary cards. Scroll down to see the investment vs. returns breakdown bar, a return rate comparison table, and the full year-by-year growth schedule.
What the SIP Calculator Shows
- Maturity Value: The total corpus at the end of the investment period — the sum of all monthly investments plus all compounded returns, calculated using the SIP future value formula.
- Total Invested: The total amount you invest over the entire duration — monthly SIP amount × number of months. This is your principal outflow.
- Wealth Gained: The difference between the maturity value and total invested — the net profit generated by compounding. This figure grows dramatically with longer investment durations.
- Year-by-Year Growth Table: A complete breakdown showing the cumulative invested amount, wealth gained, and total portfolio value at the end of each year — making the power of compounding visible over time.
Important Notes About This SIP Calculator
This SIP calculator assumes a fixed monthly investment and a constant annual return rate throughout the investment period. In reality, mutual fund returns vary year to year based on market conditions — the expected return rate is an estimate, not a guarantee. The SIP calculator does not account for exit loads, expense ratios, or taxes on capital gains (LTCG/STCG), which will reduce the actual net returns. For equity mutual funds in India, long-term capital gains above ₹1 lakh are taxed at 10% (LTCG). Always consult a SEBI-registered financial advisor before making investment decisions.
Related Tools
Voice Recorder & Audio Extractor
Record high-quality audio from your microphone or extract audio from MP4 and WebM video files offline. 100% secure, browser-based utility.
Audio Slicer & Converter
Trim audio clips and convert between MP3, WAV format client-side - Free online audio cutter
ID3 Tag & Metadata Editor
Read and write ID3 tags, album art, artist, and track details directly to MP3 file headers - Free online ID3 tag editor
MP3 Metadata Viewer
View all ID3 tags — title, artist, album, artwork, BPM, and every embedded frame — from any MP3 file instantly in your browser - Free online MP3 metadata viewer
Frequently Asked Questions About SIP Calculator
A SIP calculator (Systematic Investment Plan calculator) computes the maturity value of a fixed monthly investment over a specified period at an expected annual return rate. Our SIP calculator uses the standard SIP future value formula M = P × ((1 + r)ⁿ − 1) / r × (1 + r) and runs entirely in your browser with no signup required.
The SIP maturity formula is M = P × ((1 + r)ⁿ − 1) / r × (1 + r), where M is the maturity value, P is the monthly SIP investment, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the total number of months (years × 12). Our SIP calculator applies this formula automatically.
Absolutely. The SIP calculator runs entirely in your browser. Your monthly investment amount, return rate, and all financial details are never sent to any server, stored in a database, or tracked. Everything stays completely private on your device.
Yes — the SIP calculator is 100% free with no signup, no account, and no usage limits. Calculate SIP returns for any monthly investment, return rate, and duration as many times as you need, completely free forever.
For equity mutual funds (large-cap, mid-cap, flexi-cap), a commonly used expected return rate is 10–15% per annum based on historical long-term averages. For debt mutual funds, 6–8% is more typical. For hybrid funds, 8–11% is a reasonable estimate. These are estimates — actual returns vary with market conditions.
A SIP invests a fixed amount every month, averaging out the purchase cost over time (rupee cost averaging) — reducing the impact of market volatility. A lumpsum investment puts the entire amount in at once. SIP is generally preferred for salaried investors who invest from monthly income, while lumpsum suits investors with a large one-time amount to invest.
Wealth gained is the difference between the maturity value and the total amount you invested (monthly SIP × number of months). It represents the net profit generated by compounding over the investment period. For long durations at good return rates, wealth gained often exceeds the total invested amount.
No. This SIP calculator computes gross returns before taxes and fund expenses. In practice, mutual fund expense ratios (typically 0.5–2% per year) and capital gains taxes (10% LTCG on equity gains above ₹1 lakh in India) will reduce your actual net returns. Always factor these in when planning your investments.
This SIP calculator assumes a fixed monthly investment throughout the duration. To model a step-up SIP (where you increase the monthly amount each year), calculate each year separately and add the results. For example, calculate Year 1 at ₹5,000/month, Year 2 at ₹5,500/month, and so on, then sum the maturity values.