SIP Calculator
Calculate wealth gain, future corpus, annual returns, inflation-adjusted value & investment growth instantly
SIP Investment Result
Pro tip
Start your SIP with just ₹500/month
Turn these numbers into real wealth — open a free account on Groww in 5 minutes.
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SIP Calculator
What Is a SIP Calculator?
A SIP calculator — or Systematic Investment Plan calculator — is a free online tool that instantly estimates the maturity value, total invested amount, and estimated returns of your monthly mutual fund investments. Enter three inputs — monthly SIP amount, expected annual return rate, and investment tenure — and get a clear picture of your future wealth in seconds.
How Does This SIP Return Calculator Work?
Our online SIP calculator uses the standard compound interest formula adopted by all AMFI-registered mutual funds in India:
M = P × {[(1 + r)ⁿ – 1] ÷ r} × (1 + r)
Where M = maturity amount, P = monthly SIP, r = monthly return rate (annual rate ÷ 12), and n = total months invested.
For example, a ₹5,000 monthly SIP for 10 years at 12% annual return grows to approximately ₹11.62 lakhs — nearly double your invested ₹6 lakhs — purely through the power of compounding.
Why Use Click2Calculate’s SIP Calculator?
- ✅ Free and instant — no login or subscription required
- ✅ Goal-based planning — reverse-calculate the monthly SIP needed to reach ₹50 lakhs, ₹1 crore, or any target
- ✅ Step-up SIP support — model annual SIP increases aligned with salary growth
- ✅ SIP vs lump sum comparison — see which investment approach builds more wealth for your timeline
- ✅ Accurate for all fund types — equity, debt, hybrid, and ELSS tax-saving SIPs
Whether you are planning for retirement, child’s education, home purchase, or long-term wealth creation, this mutual fund SIP calculator helps you invest smarter — with numbers, not guesswork.
Mutual fund investments are subject to market risks. Returns shown are illustrative estimates based on assumed rates. Past performance does not guarantee future results.