Use this free online SIP (Systematic Investment Plan) calculator to estimate the future value of your monthly mutual fund investments. Enter your monthly investment amount, expected annual return rate, and investment period to instantly see your total invested amount, estimated returns, and maturity value.
How to Use the SIP / Investment Calculator
Enter the amount you plan to invest every month in the "Monthly Investment (₹)" field.
Enter the return you expect your investment to earn in the "Expected Annual Return Rate (%)" field.
Enter how long you intend to keep investing in the "Investment Period (years)" field.
Click "Calculate" to view your Total Invested amount, Estimated Returns, and Total Value (Maturity Amount).
Frequently Asked Questions
It uses the standard SIP future value formula for monthly compounding: FV = P × [((1+r)^n - 1) / r] × (1+r), where P is your monthly investment, r is the monthly return rate (annual rate ÷ 12 ÷ 100), and n is the total number of months (investment period × 12). Estimated Returns is simply the future value minus your total invested amount.
When the expected annual return rate is 0, the calculator simply multiplies your monthly investment by the number of months, since there is no compounding growth to add.
Monthly Investment and Investment Period must both be greater than zero, and the Expected Annual Return Rate must be zero or greater. If any of these conditions aren't met, the calculator displays "Invalid input!" instead of a result.
Yes, this SIP / Investment Calculator is completely free to use with no sign-up required, and you can run as many calculations as you like.