Online SIP Calculator

Plan your financial future by calculating your mutual fund & SIP returns.

Planning for your financial goals is one of the most important steps toward a secure future. A Systematic Investment Plan (SIP) is a powerful way to build wealth over time. Our free online SIP calculator helps you visualize how your small, regular investments in mutual funds can grow into a significant amount through the power of compounding.

How to Use the SIP Calculator

Our interactive tool makes financial planning easy. Simply adjust the sliders to see your potential returns:

1. Monthly Investment: Set the amount you plan to invest each month.
2. Expected Return Rate: Adjust the annual rate of return you expect from your investment. (Mutual funds have historically provided returns in the range of 12-15% p.a., but this is not guaranteed).
3. Time Period: Select the number of years you plan to stay invested.

The calculator will instantly update the results, showing you the total amount you invested, your estimated returns, and the final future value of your investment. The chart provides a clear visual breakdown of your principal amount versus the wealth you've gained.

Understanding SIP and the Power of Compounding

What is a SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount of money in mutual funds on a regular basis (usually monthly). Instead of investing a large lump sum at once, a SIP allows you to invest in a disciplined manner, benefiting from market fluctuations through a principle called rupee cost averaging.

What is Compounding?

Compounding is the magic behind SIPs. It's the process where your investment returns start to earn their own returns. Over time, this creates a snowball effect, and your wealth grows at an accelerating rate. The longer you stay invested, the more powerful compounding becomes. Our calculator clearly shows this by separating your invested amount from your estimated returns.

Frequently Asked Questions (FAQ)

Is the return rate guaranteed?

No. The returns on mutual fund investments are linked to market performance and are not guaranteed. The "Expected Return Rate" in the calculator is an assumption. It's important to research funds and understand that actual returns can be higher or lower than your estimate.

How accurate is this SIP calculator?

Our calculator uses the standard mathematical formula for calculating the future value of a SIP. The calculation itself is highly accurate based on the inputs you provide. However, the final amount is an estimation, as the actual market returns will vary.

Is my financial data safe?

Yes, 100%. This SIP calculator operates entirely within your web browser. No financial data you enter—investment amount, return rate, or time period—is ever sent to or stored on our servers. Your calculations are completely private and secure.