SIP Calculator — what it does
Projects the maturity value of a monthly SIP mutual-fund investment at an assumed annual return, and shows the invested amount versus the wealth gained. Built for setting expectations before starting a SIP — and for sanity-checking the rosy numbers that sales material quotes.
How to use SIP Calculator
- Enter the monthly investment amount.
- Enter the expected annual return — be conservative; see the FAQ.
- Set the tenure in years.
- Read the invested total, estimated gain and projected maturity value.
- Try the same SIP at 8%, 10% and 12% to see how sensitive the projection is to the assumption.
Worked example: the cost of an optimistic assumption
₹10,000 a month for 15 years at 12% projects to about ₹50 lakh. At 8% — a realistic long-run figure for a balanced portfolio — it is about ₹34.5 lakh. Same discipline, same years, a ₹15-lakh difference purely from the assumed rate. Running the spread is the honest way to plan; the tool makes that a 10-second job.
At a glance
| Formula | Future value of a monthly annuity with monthly-compounded assumed rate |
|---|---|
| Output | Invested amount, estimated gain, projected maturity value |
| Assumption | Fixed return throughout — real markets do not move in a straight line |
| Privacy | Computed entirely in the browser; no figures are stored or sent |
| Limits | A projection, not a promise — returns vary and inflation is not deducted |
Frequently asked questions
- What is SIP Calculator?
- Project the future value of a monthly mutual fund SIP with expected returns — invested amount, gains and corpus at a glance.
- Is SIP Calculator free to use?
- Yes — SIP Calculator is free to use, with no sign-up, no install and no account.
- Does SIP Calculator upload or store my data?
- No — SIP Calculator runs entirely in your browser, so your text, files and results never leave your device.
- Do I need to install anything to use SIP Calculator?
- No — it works in any modern browser (Chrome, Edge, Firefox, Safari) with no downloads, accounts or plugins.
- What return should I assume?
- Whatever you assume, test the range. Equity has historically averaged high single digits to low teens over long periods in India, but with long flat stretches. Planning on 12% and getting 9% breaks goals; planning on 8% and getting 11% is a pleasant surprise.
- Does it account for step-up SIPs (increasing the amount yearly)?
- Not in this tool — it models a fixed monthly amount. A 10% annual step-up materially raises the maturity; if you plan one, run the tool at the final-year amount as an upper bound.
- Why no inflation adjustment?
- Keeping it nominal makes comparisons with the invested amount intuitive. If you want real purchasing power, subtract roughly the inflation rate from the assumed return and re-run.