SIP Calculator - Calculate Mutual Fund Returns
Calculate potential returns from your SIP (Systematic Investment Plan) with our free online calculator. Plan your investments and see the power of compounding.
Investment Breakdown
How to Use SIP Calculator
Plan your systematic investments in 3 simple steps:
Set Monthly Investment
Choose how much you want to invest every month. Use the slider for quick adjustments or type the exact amount in the input box. Both sync automatically.
Expected Return Rate
Set your expected annual return rate. Equity mutual funds typically return 10-15%, while debt funds return 6-8%. Be conservative in your estimates.
Choose Time Period
Select your investment horizon from 1 to 40 years. Longer periods allow compounding to work its magic and generate significantly higher returns.
SIP Calculation Formula
Example Calculation
Monthly Investment: $500
Expected Return: 12% per year (1% per month)
Investment Period: 10 years (120 months)
Total Invested: $60,000 ($500 × 120 months)
Estimated Returns: $56,170
Maturity Value: $116,170
Wealth Gain: 93.6% growth on your investment!
Why Use Our SIP Calculator?
Instant Projections
See your potential returns immediately. Plan different scenarios by adjusting investment amount, return rate, or time period.
Multi-Currency Support
Calculate SIP returns in USD, EUR, GBP, INR, AED, and 5+ other currencies. Works for investors worldwide.
Goal Planning
Plan for retirement, children's education, buying a house, or any financial goal with accurate projections.
Visual Charts
See the power of compounding with interactive charts showing invested amount vs returns.
100% Private
All calculations happen in your browser. Your financial data never leaves your device.
Mobile Friendly
Calculate SIP returns on your phone, tablet, or desktop with the same great experience.
Frequently Asked Questions
What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, you invest small amounts monthly, which helps average out market volatility and benefit from rupee cost averaging.
How accurate is this SIP calculator?
Our calculator uses the standard SIP formula and provides accurate projections based on your inputs. However, actual returns may vary as market performance fluctuates. The calculator assumes a constant rate of return, while actual mutual fund returns vary year to year.
What is a good return rate for SIP investments?
Equity mutual funds historically return 10-15% annually over long periods. Debt funds return 6-8%. Hybrid funds typically return 8-12%. However, past performance doesn't guarantee future returns. Always invest based on your risk appetite and financial goals.
What is the minimum amount to start a SIP?
Most mutual funds allow SIP with as low as $100-$500 per month (or ₹500-₹1,000 in India). Some funds even allow $50 monthly investments. You can start small and increase your SIP amount as your income grows.
Is SIP better than lump sum investment?
SIP is better for regular investors with monthly income as it provides rupee cost averaging and removes market timing risk. Lump sum works better when markets are low or if you have a large amount to invest. SIP is ideal for salaried individuals and offers disciplined investing.
Can I stop or pause my SIP anytime?
Yes! SIPs are flexible. You can pause, stop, increase, or decrease your SIP amount anytime without any penalty. You can also redeem your investments whenever needed, though staying invested longer maximizes returns through compounding.
How long should I continue my SIP?
The longer you stay invested, the better. For wealth creation, invest for at least 5-10 years. For retirement planning, continue for 20-30 years. Long-term investing helps you benefit from compounding and ride out market volatility.
Can I type exact values or must I use the slider?
You can do both! Type precise values directly in the input boxes for accuracy, or use the slider for quick adjustments. Both are synced - change one and the other updates automatically.