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SIP Calculator — Calculate Mutual Fund SIP Returns Online Free

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SIP Calculator

See how a monthly SIP investment could grow over time with the power of compounding.

Total invested—
Estimated gains—
Estimated total value—
Please note: This is an estimate. Mutual fund returns are not guaranteed. Market-linked investments go up and down, and your actual returns may be higher or lower than shown.

The calculation assumes your monthly investment is made at the start of each month and grows at a steady rate, which real markets do not do.

How a SIP works

A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month, so you build wealth steadily instead of waiting to save a large lump sum. This SIP calculator shows you three things: the total amount you will put in, the estimated gains from compounding, and the estimated total value of your investment at the end of the period. The real power of a SIP is time — starting even a few years earlier gives compounding many more years to work, and the estimated gains can grow surprisingly large over 15 or 20 years. Try changing the period above to see this effect for yourself. Please remember that these figures assume a steady return every year, which real markets never give, so treat the result as a planning guide, not a promise.

Frequently asked questions

What return rate should I assume?

Large-cap and flexi-cap equity funds in India have historically delivered roughly 10–14% a year over long periods, but past performance does not guarantee future returns. Many people use 12% as a planning assumption — adjust it to your own comfort.

Is SIP return guaranteed?

No. SIPs invest in market-linked mutual funds, so returns go up and down with the market. That is why this calculator labels every figure an estimate.

What is the minimum SIP amount?

Many mutual funds in India allow SIPs starting at ₹100–₹500 per month, depending on the scheme. Starting small and early usually beats waiting to start big.

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