SIP Calculator
Calculate SIP returns and future value of monthly investments. Free, fast and private.
Formula: FV = P × ((1+i)n − 1) ÷ i × (1+i), where i = annual return ÷ 12 ÷ 100 and n = months. Returns are assumed constant — actual market returns vary. Results are indicative estimates, not investment advice.
How to use SIP Calculator
- Enter how much you invest every month.
- Enter the expected annual return and the investment period in years.
- Click Calculate SIP Returns to see the future value, total invested and estimated gains.
Note: this tool runs in your browser. Nothing is uploaded.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan is a regular (usually monthly) investment of a fixed amount, often into a mutual fund, so your money grows through compounding.
How are SIP returns calculated?
Future value = P × ((1+i)ⁿ − 1) ÷ i × (1+i), where i is the monthly return rate and n is the number of months.
Are SIP returns guaranteed?
No. The return rate is an assumption — actual market returns vary and can be lower or higher.
Is this SIP calculator free?
Yes, it is 100% free with no sign-up. Your data stays in your browser.