A SIP calculator is a free online tool that gives you instant results without any signup or fees. It covers systematic investment plan, mutual fund returns, monthly investment and more — all in one place.
SIP Calculator India 2026
Use this free SIP calculator to plan your monthly mutual fund investment. Get instant maturity value, total returns and invested amount.
How to Use SIP Calculator
Enter your monthly SIP amount, expected annual return rate and number of years. The SIP calculator shows your maturity amount instantly.
SIP Calculator Formula
FV = P x [(1+r)^n - 1] / r x (1+r). P = monthly investment, r = monthly rate (annual/12), n = months. Try the SIP calculator above.
SIP vs Lump Sum Calculator
SIP beats lump sum in falling markets. Lump sum wins in rising markets. Our SIP calculator helps you compare both strategies.
Step Up SIP Calculator
A step-up SIP increases your monthly amount each year. Even a 10% annual increase can double your SIP maturity amount over 20 years.
Frequently Asked Questions
What is a SIP calculator?
A SIP calculator estimates how much your monthly mutual fund investment will grow over time. Enter monthly amount, expected return rate and years to get the maturity value instantly.
What is the SIP calculator formula?
SIP calculator uses: FV = P x [(1+r)^n - 1] / r x (1+r). P is monthly investment, r is monthly rate (annual rate divided by 12), n is total months.
How accurate is the SIP return calculator?
The SIP calculator gives an estimate based on your assumed return rate. Actual returns depend on market performance and fund selection. Use 10-12% for equity funds as a conservative estimate.
What is the minimum amount for SIP?
Most mutual funds allow SIP from Rs 100 per month. ELSS tax-saving funds typically start at Rs 500 per month. There is no maximum limit on SIP amount.
Can I use SIP calculator for step-up SIP?
This calculator shows flat SIP returns. For step-up SIP where you increase the monthly amount each year, use our step-up SIP calculator for more accurate projections.