SIP Calculator — Free Online Tool

Project mutual fund SIP returns with monthly investment growth. · No signup · Works on mobile

Loading tool…

100% private: your data is processed in your browser. Nothing is uploaded to our servers.

How to use the sip calculator

  1. 1

    Enter the amount you invest every month (e.g. ₹5,000).

  2. 2

    Set your expected annual return (equity funds have historically averaged 10–14%) and the investment period in years.

  3. 3

    See your projected corpus, total invested, and wealth gained instantly.

What does this tool do?

This free SIP calculator projects the future value of your Systematic Investment Plan in mutual funds. Enter your monthly investment, expected annual return, and time horizon to instantly see your total invested amount, estimated returns, and final corpus — updated live as you adjust the sliders.

How does the sip calculator work?

It uses the SIP future value formula FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly investment, i the monthly rate of return, and n the total number of installments. This assumes investments at the start of each month.

Frequently Asked Questions

What return rate should I assume for a SIP?

For Indian equity mutual funds, a conservative long-term assumption is 10–12% annually; Nifty 50 index funds have averaged roughly 12% over 15+ year periods. For debt funds assume 6–8%. Using 12%, a ₹10,000 monthly SIP grows to about ₹50 lakh in 15 years on ₹18 lakh invested.

Is SIP better than a lump sum investment?

SIP reduces timing risk through rupee-cost averaging — you buy more units when prices are low and fewer when high. Lump sum can outperform in steadily rising markets, but SIP is safer for salaried investors and builds discipline. Many investors combine both.

Is the SIP calculator really free?

Yes — 100% free with no hidden charges, trial limits, or premium tiers for core features. You don't need to create an account or enter an email address. The site is supported by non-intrusive display ads, which keeps every tool free for everyone.

Is my data private when using the SIP calculator?

Completely. The SIP calculator runs entirely in your browser using JavaScript — nothing you type or upload is sent to our servers. When you close the tab, your data is gone. This makes it safe for confidential documents, financial figures, and personal information.

Does the SIP calculator work on mobile phones?

Yes. The SIP calculator is built mobile-first and works on any phone or tablet with a modern browser — iPhone (Safari), Android (Chrome), and everything in between. The layout adapts to small screens, so buttons and inputs stay easy to tap on a 375px-wide display.

Do I need to install anything to use the SIP calculator?

No. The SIP calculator works directly in your web browser — no downloads, no extensions, no signup. Just open the page, use the tool, and get your result instantly. It works on Windows, macOS, Linux, ChromeOS, iOS, and Android.