TooltarBrowse Tools

SIP Calculator Online

Use our free SIP Calculator to estimate the future value of your monthly investments. Enter SIP amount, expected returns, and time period to get invested amount, estimated returns, and maturity value instantly.

Invested amount
600,000
Estimated returns
561,695.38
Maturity value
1,161,695.38
Estimates are based on expected returns. Actual market returns can vary.
Advertisement

How the SIP Calculator Works

  1. Enter your monthly SIP amount
  2. Set expected annual return and investment duration
  3. Calculate to see invested amount, returns, and total value

Features

  • Fast SIP maturity calculation
  • Invested amount vs returns breakdown
  • Mobile-first UI with sliders
  • No signup required

Use Cases

  • Mutual fund planning
  • Goal planning
  • Retirement planning
  • Investment comparison

Formula

SIP future value is typically calculated using the future value of an annuity due (monthly investment at the start of each month).

FV = P × (((1 + r)^n − 1) / r) × (1 + r)
Where:
P = monthly investment
r = monthly return rate (annual % / 12)
n = total months (years × 12)
Invested Amount = P × n

Learn the full breakdown in our SIP Calculator Guide.

Examples

These worked examples help you understand how time, return rate, and monthly investment affect maturity value.

Example 1
Monthly SIP: ₹5,000
Expected return: 12% p.a.
Time: 10 years (120 months)
Invested: ₹6,00,000
Maturity (approx): ₹11,61,500
Returns (approx): ₹5,61,500
Example 2
Monthly SIP: ₹10,000
Expected return: 15% p.a.
Time: 20 years (240 months)
Invested: ₹24,00,000
Maturity (approx): ₹1,51,71,000
Returns (approx): ₹1,27,71,000
Example 3
Monthly SIP: ₹2,000
Expected return: 0% p.a.
Time: 5 years (60 months)
Invested: ₹1,20,000
Maturity: ₹1,20,000
Returns: ₹0

Want to compare returns? Try SIP Return Calculator.

Interpretation

Your SIP results usually include: invested amount, estimated returns, and maturity value. The difference between maturity value and invested amount is your estimated gain.

Increasing the time period often has the biggest impact because of compounding. Even a 2–3 year increase in duration can change the maturity value significantly.

If you want to compare SIP vs lumpsum for the same goal, read Lumpsum vs SIP.

Assumptions

  • Returns are assumed to be constant and compounded monthly (for estimation).
  • The formula assumes contributions happen at the start of each month (annuity due approximation).
  • Taxes, exit load, and fund expenses are not included unless explicitly modeled.

Edge cases

  • 0% return: maturity equals total invested amount.
  • Very high return: results can look unrealistic; use conservative estimates.
  • Short duration: compounding has less impact; returns may be small.
  • Inflation: real (inflation-adjusted) returns can be lower than nominal returns.

FAQs

Is this SIP Calculator free?

Yes. It is 100% free to use online.

Is the result guaranteed?

No. SIP results are estimates based on expected returns. Actual market returns can vary.

What returns rate should I use?

Use a realistic expected annual return. You can adjust the rate to compare scenarios.

Does it support monthly SIP?

Yes. This calculator is designed for monthly SIP investments.

Advertisement