Investment Calculator

Free SIP Calculator — Plan Your Mutual Fund Investments

Calculate the future value of your monthly SIP investments. See how compound interest grows your wealth over time with detailed year-by-year breakdown, step-up SIP support, and visual charts — all free, all in your browser.

Instant Results Real-time calculation
100% Private No data sent anywhere
Year-by-Year Detailed growth schedule
Monthly SIP
₹25K
Expected Return
12%
Period
15 Yr
Maturity Value
₹1.26Cr

Investment Parameters

Adjust the sliders or type values directly

Monthly Investment
₹25,000
₹500 ₹10,00,000
₹
Expected Return Rate (Annual)
12%
1% 30%
Investment Period
15 Years
1 Year 40 Years
Enable Step-up SIP (annual increase)
Annual Step-up Rate
10%
0% 20%
Your Maturity Value
₹1,26,14,400
₹45L Total Invested
₹81.1L Est. Returns
2.8x Wealth Multiplier
Investment Breakdown
Invested
Returns
Yearly Invested vs Returns

Mutual fund investments are subject to market risks. Returns shown are estimates based on the assumed rate and may vary from actual performance.

Yearly Growth Schedule
Year Invested (Year) Total Invested Returns (Year) Total Returns Total Value
How It Works

SIP Calculation Formula

The future value of a Systematic Investment Plan is calculated using the compound interest formula for periodic investments. This is the standard formula used by mutual fund houses and financial planners worldwide.

FV = P × [(1+i)n - 1] / i × (1+i)
P
Monthly Investment Amount
i
Monthly Interest Rate
(Annual Rate / 12 / 100)
n
Total Number of Months
Features

Why Use Our SIP Calculator

Instant Results

Get your maturity value the moment you move any slider. No waiting, no page reloads.

Visual Breakdown

See exactly how much you invest vs how much you earn with interactive charts and year bars.

Step-up SIP

Plan annual SIP increases to accelerate wealth growth as your income rises over the years.

100% Private

All calculations run in your browser. No data is ever sent to any server.

FAQ

Frequently Asked Questions

SIP stands for Systematic Investment Plan. It is a method of investing a fixed amount regularly (usually monthly) in mutual funds. SIPs help you build wealth over time through the power of compounding and rupee-cost averaging, reducing the impact of market volatility.
SIP returns are calculated using the compound interest formula for periodic investments: FV = P × [(1+i)^n - 1] / i × (1+i), where P is the monthly investment, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months. This formula assumes investments are made at the beginning of each month.
Step-up SIP means increasing your monthly investment amount by a fixed percentage each year. For example, if you start with ₹10,000/month and step up by 10%, your second year SIP becomes ₹11,000, third year ₹12,100, and so on. This aligns your investments with your growing income and can significantly boost your final corpus — often by 30-50% compared to a regular SIP.
Historically, equity mutual funds have delivered 10-15% annualized returns over long periods (7+ years). Debt funds typically return 6-8%. For planning purposes, it's prudent to use conservative estimates: 10-12% for equity SIPs and 6-7% for debt SIPs. Remember, past performance doesn't guarantee future returns.
No, SIP returns are not guaranteed as they depend on the performance of the underlying mutual fund investments. Equity mutual funds are subject to market risks. However, SIPs help mitigate risk through rupee-cost averaging — you buy more units when prices are low and fewer when prices are high — and the power of compounding over the long term.
Yes, click the "Download CSV" button above the yearly growth table to download the complete year-by-year breakdown as a CSV file. You can open it in Excel, Google Sheets, or any spreadsheet application for further analysis or record-keeping.