SIP Calculator
See how a monthly SIP can grow. Enter your monthly investment, how long you will invest, and the expected annual return — and see your invested amount, your gains and the maturity value.
Your result will appear here
Your SIP projection
Assumes monthly investments at the start of each month and a fixed annual return, compounded monthly. Market returns vary — this is a projection, not a guarantee.
How to use
- Enter the amount you will invest every month.
- Choose how many years you will keep investing.
- Enter an expected annual return, then click Calculate SIP Returns.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan is a way to invest a fixed amount regularly — usually monthly — into a mutual fund. You buy more units when prices are low and fewer when prices are high, which averages out your purchase cost over time.
What return should I expect from a SIP?
Equity mutual funds in India have historically returned around 10-12% a year over long periods, but returns are not guaranteed and vary with the market. Use a conservative figure such as 10% for planning.
Does a SIP guarantee returns?
No. SIPs invest in the market, so the value can go up or down. The main benefit is discipline and rupee-cost averaging, not a guaranteed return.
What happens if I miss a SIP payment?
Most funds allow you to skip a payment without a penalty, though some banks may charge for a failed auto-debit. Missing payments simply reduces the amount invested and the final value. Use it as a sip calculator free — no signup, nothing to install.
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