SIP Calculator
Free SIP calculator. Enter your monthly investment, expected return and period to see your maturity corpus, total invested and estimated returns instantly.
About the SIP Calculator
A SIP calculator projects how a fixed monthly mutual-fund investment grows over time, using the standard SIP future-value formula with monthly compounding.
A SIP (Systematic Investment Plan) invests a fixed amount into a mutual fund every month, buying more units when prices are low and fewer when they're high. It is the most popular way to invest in equity funds in India because it needs no timing decisions and builds discipline. This calculator shows what a monthly SIP could grow to: enter the amount, an expected annual return, and the number of years, and you get the projected corpus, the total you'll have put in, and the estimated gain.
The projection uses the standard SIP future-value formula — FV = A × ((1 + i)ⁿ − 1) ÷ i × (1 + i) — where A is the monthly amount, i the monthly rate and n the number of instalments. The power of it is compounding: a ₹10,000 monthly SIP at 12% grows to about ₹50 lakh in 15 years, of which only ₹18 lakh is your own money. Stretch it to 25 years and the corpus is roughly ₹1.9 crore — time in the market matters far more than the amount.
Treat the expected-return field honestly: equity funds have historically delivered 10–14% over long periods, but returns are not guaranteed and vary year to year. Run the calculation at 10% and 12% to see a realistic band rather than a single number. Nothing you enter is stored.
How to use the SIP Calculator
- Enter the monthly investment amount.
- Input your expected annual return.
- Specify the investment period in years.
- See your estimated corpus and total returns.
Worked example
₹10,000 invested monthly at a 12% expected annual return for 15 years → corpus ₹50,45,760 on ₹18,00,000 invested, i.e. estimated returns of ₹32,45,760.
Formula
FV = A × ((1 + i)ⁿ − 1) ÷ i × (1 + i), where A is the monthly investment, i the monthly rate (expected annual return ÷ 12 ÷ 100) and n the number of instalments.Frequently asked questions
- What return should I assume for a SIP?
- For long-term equity funds, 10–12% a year is a commonly used planning assumption based on historical index returns. Debt funds are usually assumed at 6–8%. Actual returns vary and are not guaranteed — test a range.
- Is SIP better than a one-time lump sum?
- A SIP spreads your entry across market highs and lows (rupee-cost averaging) and suits monthly earners. A lump sum can do better if invested at a market low, but that requires timing. For most salaried investors, SIP is the practical choice.
- Does the calculator account for inflation or tax?
- No — the corpus shown is pre-tax and in future rupees. Equity fund gains above ₹1.25 lakh a year attract LTCG tax at 12.5% currently. Consider both when setting targets.
- Is my financial data secure?
- Absolutely. All calculations happen entirely in your browser and none of your inputs are saved or sent to any server.
- Can I use this for official tax filing?
- While highly accurate for planning and estimation, always consult your CA or tax professional for final official filings.
More from Avexora
All Avexora products →Business software from the team behind these free tools.
- CRM
Avexora AI CRM
A CRM and project workspace for growing businesses.
Visit Avexora AI CRM - WhatsApp Business API
AvexWA
WhatsApp Business API platform for broadcasts, chatbots and automation.
Visit AvexWA - AI business ecosystem
Avexora AI EBOS
From a blank page to a live funnel in minutes.
Visit Avexora AI EBOS - Enterprise AI
Avexora AI
Enterprise-grade AI systems for operations and growth.
Visit Avexora AI - AI voice calling
Avexora AI Voice Agents
Your business phone, answered by AI in every language, every hour.
Visit Avexora AI Voice Agents - OMR exam software
Avexora ExamOS
AI-powered OMR scanning and exam management for schools.
Visit Avexora ExamOS
Related tools
Free fixed deposit calculator for Indian banks. Enter deposit, interest rate, tenure and compounding frequency to see FD maturity amount and interest earned.
Recurring Deposit CalculatorFree RD calculator. Enter your monthly deposit, interest rate and tenure to see the recurring deposit maturity amount and interest, using the bank formula.
Compound Interest CalculatorFree compound interest calculator. Enter principal, rate, time and compounding frequency to see the maturity amount and total interest earned instantly.
ROI CalculatorFree ROI calculator. Enter initial investment, final value and holding period to get total ROI, net gain and annualized return (CAGR) instantly.