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Calculate your mutual fund SIP returns instantly with our easy online SIP calculator. Plan monthly investments and see future value in seconds.
Are you planning to invest in mutual funds through SIP but not sure how much you’ll earn in the future? Our Mutual Fund SIP Calculator helps you calculate your future investment value in seconds. Whether you're investing ₹3,000 per month or $1,000 a year, this tool gives you a clear picture of how much wealth you can build over time.
A Systematic Investment Plan (SIP) is a smart and hassle-free way to invest in mutual funds. It lets you invest a fixed amount regularly, and over time, your money grows with the power of compounding. Using our SIP calculator, you can plan your monthly investments and track your estimated returns all without needing to be a financial expert.
A Mutual Fund SIP Calculator uses a simple mathematical formula to estimate the maturity value of your SIP investments over a certain time period.
Here’s the basic formula used to calculate the future value:
Future Value = P × [(1 + r)^n – 1] / r × (1 + r)
Where:
Let’s say you invest ₹5,000 every month for 5 years, and the expected annual return is 12%. The monthly return is 1% (12 ÷ 12). Plug these values into the formula, and you can easily get your future value.
This calculator also considers expense ratio and tax rate (if you want), to give you a more realistic view of post-tax returns.
Our calculator is built to be simple, accurate, and user-friendly. Unlike other online SIP calculators, we give you complete flexibility add your expense ratio, change the investment period from months to years, adjust the return rate, and even calculate tax on profits. It’s perfect for anyone looking to plan long-term financial goals, like saving for a house, child’s education, or retirement.
It’s similar to the ones offered by Groww SIP calculator, HDFC SIP calculator, and other platforms, but ours gives you more in-depth results and a year-by-year breakdown.
Using our mutual fund SIP calculator is super easy:
If you invest ₹3,000 every month for 5 years with an expected annual return of 12%:
This is just an example. Try your own values in the calculator to get accurate results.
Assuming monthly contributions of $1,000 for 10 years with an expected return of 10%:
The returns grow significantly over time due to compounding. SIP is one of the safest and most disciplined ways to build wealth.
With a $5,000 monthly SIP and a 12% return for 5 years:
Again, use the calculator with your own details to get precise projections.
If you're looking to invest for the long term (like 20 years), equity mutual funds with good historical performance and low expense ratios are often ideal. The longer you invest, the more you benefit from compounding.
Use our calculator to test different amounts and durations, and see how wealth builds over 20 years. A monthly SIP of ₹5,000 for 20 years can grow to over ₹50 lakhs depending on the return rate.
The Mutual Fund SIP Calculator is your personal finance assistant. It helps you understand how small, consistent investments can lead to large returns in the long run. Whether you're new to SIP or a seasoned investor, using this calculator will guide your financial journey and help you make smart decisions.
With features better than many online tools like the Groww SIP calculator or HDFC SIP calculator, ours is designed for clarity, accuracy, and ease of use. Don't wait — start planning your SIP today!
A SIP calculator is an online tool that helps you estimate the returns on your monthly mutual fund investments based on the expected interest rate and investment duration.
Yes. It uses a standard and widely accepted compound interest formula used by banks and mutual fund platforms.
No, this calculator is specifically designed for SIPs. For PPF or SWP, use a PPF calculator or SWP calculator which are based on different formulas.
SIP is a periodic investment (monthly), while lumpsum is a one-time investment. Both have different calculators due to varying compounding methods.
Currently, this calculator handles fixed SIPs. But we are working on a step-up SIP calculator where you can increase your SIP amount annually.