What is an SIP Calculator?
A SIP Calculator estimates what a fixed monthly investment in a mutual fund could be worth after a chosen number of years, at a return rate you enter. It shows the amount you invest, the estimated gains and the total value.
A Systematic Investment Plan (SIP) is a way of investing a fixed amount in a mutual fund at regular intervals, usually every month. Because the result depends on the return rate you assume, the calculator is most useful for comparing scenarios, such as a higher monthly amount or a longer period. Actual mutual fund returns move with the market and can be lower or higher than any rate you enter.
How to use the SIP Calculator
- Enter monthly investment.
- Enter expected return rate.
- Enter time period.
- Tap Calculate to see the result.
- Tap Reset to clear the fields and try again.
Who should use it
- First-time investors deciding how much to invest each month
- Salaried people planning for a goal such as a home, a car or retirement
- Parents planning for a child's education
- Anyone comparing a longer or shorter investment period
Key terms
- Monthly investment
- The fixed amount you plan to invest each month.
- Expected return rate
- The yearly return you assume for the estimate. It is not a promise of what any fund will earn.
- Time period
- How many years you plan to keep investing.
- Invested amount
- The total of all your monthly instalments.
- Estimated returns
- The estimated gain over and above what you invested.
- Total value
- Invested amount plus estimated returns.
Frequently asked questions
Is the SIP Calculator free?
Yes. It is free, needs no sign-up and runs entirely in your browser.
Are the results guaranteed?
No. The figures are estimates based on the return rate you enter, and mutual fund returns depend on the market.
What return rate should I enter?
Enter a rate you consider realistic for the type of fund. Many people try two or three rates to see a range.
Does it include tax or inflation?
No. Figures are before tax and in future money. Use the SIP with Inflation Calculator to see the value in today’s money.
Can I increase my SIP every year?
Usually, yes, depending on your fund house. To estimate a yearly increase, use the Step-up SIP Calculator.
Is my data saved anywhere?
No. What you type stays on your device and is cleared when you tap Reset or close the page.
Last updated: 1 November 2026