📈 SIP Calculator
See how much your monthly mutual fund SIP can grow — instantly & free.
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📣 Join Free Telegram Start a Mutual Fund SIP →How SIP returns are calculated
A SIP (Systematic Investment Plan) invests a fixed amount every month. Because each instalment earns returns that then earn further returns, your money grows through compounding. The future value is estimated using:
FV = M × [ ((1 + i)n − 1) ÷ i ] × (1 + i)
Where M = monthly investment, i = monthly return (annual ÷ 12 ÷ 100), and n = number of months. The longer you stay invested, the more powerful compounding becomes.
Why start early?
Even a small SIP started early can beat a larger one started late, because compounding rewards time. Staying invested through market ups and downs (rupee-cost averaging) is what builds real wealth.
Frequently Asked Questions
- Are SIP returns guaranteed?
- No. Mutual fund returns depend on the market and are not fixed. This tool shows an estimate based on the return rate you enter.
- What return rate should I use?
- Equity mutual funds have historically delivered roughly 10–14% over long periods, but past performance does not guarantee future results. Use a conservative figure to be safe.
- Is this SIP calculator free?
- Yes — completely free, no sign-up, and it runs entirely in your browser.
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⚠️ This calculator is for educational and estimation purposes only and is not investment advice. AI360Trading is not SEBI registered. Mutual fund investments are subject to market risk — read all scheme documents carefully.