SIP Calculator – Estimate Mutual Fund Returns Online
Use our free SIP calculator to estimate how your monthly investments in mutual funds will grow. Input amount, expected return, tenure — see your future corpus instantly.
SIP Calculator (Mutual Fund Return Estimator)
Welcome to our simple and powerful SIP calculator. Whether you’re investing ₹500 or ₹50,000 monthly, this tool helps you see how your investments grow over time based on your expected return and tenure.
What is SIP & Why It Matters
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (monthly, quarterly, etc.) into a mutual fund. Instead of timing the market, SIPs let you benefit from rupee-cost averaging and the power of compounding.
Over time, consistent investing—even in small amounts—can build significant wealth. That’s why SIPs are among the most popular retail investment tools in India. :contentReference[oaicite:0]{index=0}
How the SIP Calculator Works
Our SIP calculator uses the standard future value formula for periodic investments:
FV = P × [ ( (1 + r)^n − 1 ) / r ] × (1 + r)
Where:
- P = periodic investment (e.g. monthly SIP amount)
- r = periodic rate of return (if annual return is R, then r = (1 + R)^(1/12) – 1)
- n = total number of periods (months)
The calculator takes your inputs, applies the formula, and displays:
- Total invested amount
- Estimated returns earned
- Final corpus / maturity value
How to Use This Calculator – Step by Step
- Enter your monthly SIP amount (e.g. ₹1,000, ₹5,000, etc.).
- Select your investment tenure (in years or months).
- Enter your expected annual rate of return (e.g. 8%, 10%, 12%).
- Click “Calculate” to see your investment outcome: total invested, returns, final value.
- You can adjust values (tenure, return) to see different scenarios.
Example Scenarios
Example 1: You invest ₹5,000/month for 10 years, expecting 10% return. The calculator might show:
- Total invested = ₹6,00,000
- Estimated returns = ₹4,50,000 approx
- Final corpus ≈ ₹10,50,000
Example 2: If you double tenure to 20 years with same SIP & return, your corpus could cross ₹30+ lakhs (numbers illustrative).
Interpreting the Results
After calculation, you’ll see three values:
- Invested Amount: Total sum of all your contributions.
- Returns / Gain: The profit earned above your investment.
- Final Value (Corpus): Sum of invested amount + returns, i.e. what you might get at the end (estimate).
Note: The estimate doesn’t account for mutual fund expense ratios, taxes, or market fluctuations.
Benefits & Risks of SIPs
Benefits
- Disciplined investing—automates savings
- Rupee-cost averaging helps in volatile markets
- Compounding over long periods boosts growth
- Flexibility to increase, pause, or stop SIPs
Risks & Caveats
- Returns are market-linked and not guaranteed.
- Expense ratio, fund management fees, taxes reduce net returns.
- Short durations may lead to volatility / loss.
- You must stay invested—frequent withdrawals may hamper growth.
Taxation & Other Considerations
When redeeming, equity mutual funds held more than 1 year qualify for Long-Term Capital Gains (LTCG) tax (12.5% beyond ₹1,25,000). For debt funds, different tax rules apply. Also, the calculator doesn’t deduct tax or fees—so actual corpus may be lower. :contentReference[oaicite:1]{index=1}
Frequently Asked Questions (FAQ)
Is SIP safe?
No investment is entirely safe. SIPs reduce timing risk but returns depend on fund selection and market trends.
Can I start SIP with small amount like ₹100?
Yes, some mutual funds allow SIPs as low as ₹100/month.
Can I change my SIP amount later?
Most mutual funds allow you to increase, decrease, or pause your SIP (subject to scheme rules).
Does this calculator include expense ratio, taxes?
No—it’s a gross estimate based on your inputs. Deductions are not considered.
Can I use this to find how much SIP I need to reach a target?
Yes—reverse input (target corpus, tenure, return) and compute required monthly SIP. We may add that mode later.
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- Inflation Impact Calculator
Disclaimer: This SIP calculator offers estimates only. It does not guarantee returns, and ignores fees, taxes, or market volatility. Always consult with a financial advisor before investing.
Last updated: October 2025