Free SIP Calculator
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About the SIP Calculator
Estimate the maturity value of a monthly SIP investment from the amount, expected return and duration — see invested vs. returns, all in your browser.
How to use the SIP Calculator
- 1Enter the amount you plan to invest each month.
- 2Set the expected annual return rate and how many years you'll invest.
- 3See the estimated maturity value, split into what you invested and the returns.
- 4Everything is calculated in your browser — nothing is uploaded.
Frequently asked questions
Is this SIP calculator free?
Yes — completely free, with no sign-up and no watermark.
Is my data uploaded anywhere?
No. All calculations run in your browser — nothing you enter is sent anywhere.
What is a SIP?
A SIP (Systematic Investment Plan) is a way of investing a fixed amount at regular intervals — usually monthly — into a mutual fund, rather than a single lump sum. It spreads your investment over time and builds a habit of regular investing.
How is the maturity value calculated?
It uses the standard future-value formula for a monthly investment compounded monthly: FV = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly amount, i is the monthly return rate and n is the number of months.
Are the returns guaranteed?
No — the expected return you enter is an assumption, not a guarantee. Actual mutual fund returns vary and can be negative in some periods. Use this as a planning estimate, not a promise of results.