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Use our SIP Returns Calculator to estimate your mutual fund earnings with ease. Discover how investing in SIPs can grow your wealth over time with step-by-step guidance and live calculations.
Systematic Investment Plan, or SIP, is one of the most effective ways to invest in mutual funds. With a small, regular investment, you can build a significant corpus over time. But how do you know how much your SIP will grow in the next 5, 10, or even 30 years? That’s where our SIP Returns Calculator comes in.
This easy-to-use tool helps you estimate the potential returns on your SIP investments based on your monthly contribution, investment duration, and expected annual return rate. Whether you're a beginner or a seasoned investor, this calculator gives you a clear picture of your future wealth.
A SIP Returns Calculator is a financial tool designed to help you forecast the maturity amount of your investments made via SIPs in mutual funds. This tool uses a compound interest formula to give you an idea of how your money will grow with time.
With our calculator, you don't need complex spreadsheets or financial expertise. You just enter your monthly investment amount, the expected rate of return, and the number of years you plan to invest. The calculator will then show your total investment and the final value at maturity.
Step 1: Enter your monthly SIP amount (e.g., $100)
Step 2: Choose your investment period (e.g., 10 years)
Step 3: Enter the expected annual return rate (e.g., 12%)
Step 4: Click "Calculate" to see the estimated maturity value and returns
That’s it! The SIP calculator will display your total investment and how much return you can expect based on your inputs.
SIP returns are calculated using the future value formula of compound interest:
FV = P × [(1 + r)^n – 1] × (1 + r) / r
Where:
Let’s assume a ₹10,000 monthly SIP for 30 years at a 12% annual return rate:
Using the formula:
FV = 10000 × [(1 + 0.01)^360 – 1] × (1 + 0.01) / 0.01
≈ ₹3.5 Crores (approx)
You would invest ₹36 lakhs in total, and your corpus can grow to ₹3.5 crores.
Here we assume a one-time monthly SIP of $5,000 for 20 years at a 10% return rate.
FV = 5000 × [(1 + 0.00833)^240 – 1] × (1 + 0.00833) / 0.00833
≈ $3,830,000 (approx)
That’s over $3.8 million from a consistent $5,000 monthly investment.
You can visualize how your SIP investment grows month-on-month with compound interest.
Know how much to invest monthly to reach your financial targets.
Avoid manual calculations and instantly get your results.
A SIP Returns Calculator is a must-have tool for every investor who wants to plan smartly for the future. Whether you're planning for retirement, a child's education, or a big purchase, knowing how much your investments will return over time gives you a big advantage.
Our calculator is built for simplicity, accuracy, and convenience just input your data, and your future value is ready! So why wait? Start planning your financial journey today with our SIP returns calculator.
You can use the SIP formula or a SIP returns calculator to calculate the future value of your investment based on monthly contribution, interest rate, and duration.
While some aggressive equity mutual funds have historically delivered 25–30% returns in certain years, consistent 30% returns are not guaranteed. Always check fund performance and risk level.
Yes! A ₹10,000 monthly SIP for 30 years can grow to several crores depending on the return rate. It’s a powerful long-term wealth-building strategy.
SIP is ideal for regular savers and provides rupee-cost averaging. Lumpsum works better when you have a large sum ready for investment and market timing is favorable.
SIP is Systematic Investment Plan (investing regularly), while SWP is Systematic Withdrawal Plan (withdrawing regularly from your corpus).