SIP Calculator
Plan your financial future with our easy-to-use SIP Calculator. Estimate your mutual fund returns in seconds!
Calculate Your SIP Returns
SIP Calculator Online – Calculate Mutual Fund Returns & Maturity Amount
Plan your investments with our beginner-friendly guide to the SIP Calculator. Learn the formula, monthly vs annual return conversion, SIP vs lumpsum, and FAQs—mobile-first and easy to read.
What is SIP Calculator?
A Systematic Investment Plan (SIP) Calculator is a free online tool that estimates the future value of your mutual fund SIP investments. You enter the monthly amount, tenure, and expected annual return, and the tool shows your maturity amount and wealth gain.
How Does SIP Calculator Work?
The SIP calculator uses this compounding formula:
M = P × ({[1 + i]^n – 1} / i) × (1 + i)
- M = Maturity amount
- P = Monthly SIP contribution
- n = Total months
- i = Monthly rate of return
Convert annual return to monthly correctly:
i = (1 + rannual)1/12 − 1 (not just r/12)
Worked Example
Inputs
| Monthly SIP (P) | ₹1,000 |
|---|---|
| Tenure (n) | 12 months |
| Annual return | 12% (effective monthly ≈ 0.95%) |
Result
Maturity amount ≈ ₹12,766 in one year.
Assumes constant returns for illustration. Actual mutual fund returns vary with market conditions. Exit load and expense ratio are not included.
Benefits of Using SIP Calculator Online
- Estimate maturity amount and wealth gain instantly.
- Compare SIP vs lumpsum outcomes.
- Plan long‑term goals (education, retirement, house).
- Avoid manual math and reduce mistakes.
Types of SIPs You Can Calculate
Regular SIP
Fixed monthly investments for disciplined wealth creation.
Flexible / Flexi SIP
Change your SIP amount based on markets or cash flow.
Step‑up (Top‑up) SIP
Auto‑increase your SIP yearly to match salary growth.
Perpetual / Target SIP
Invest without an end date, or back‑solve SIP needed for a goal.
SIP vs Lumpsum – Which is Better?
When SIP shines
- Monthly income and steady cashflows
- Lower timing risk via rupee‑cost averaging
- Builds saving habit
When Lumpsum works
- Have a large investable amount
- Willing to time market risk
- Long horizon for compounding
Tax Benefits
- ELSS funds eligible under Section 80C up to ₹1.5 lakh.
- Equity LTCG: 10% on gains > ₹1 lakh (held > 12 months).
- Equity STCG: 15% (held ≤ 12 months).
FAQs on SIP Calculator
What is SIP calculator?
A free tool that estimates your SIP maturity using monthly amount, tenure, and expected return.
How to calculate SIP returns?
Use M = P × ({[1 + i]^n – 1} / i) × (1 + i) with i = (1 + r)1/12 − 1.
Which is better: SIP or lumpsum?
It depends on cashflow, risk, and timing. SIP reduces timing risk; lumpsum can compound more if invested early.
Does SIP guarantee returns?
No. Returns depend on market performance. Use the calculator for estimates only.
Can I change or stop my SIP?
Yes. Many AMCs allow pause/stop or step‑up options.
Ready to try it? Use our live SIP Calculator to estimate your maturity amount now.