A SIP (Systematic Investment Plan) Calculator is a tool that helps you estimate the future value of your mutual fund investment based on monthly contributions, expected return rate, and investment duration.

You enter the monthly investment amount, duration (in years), and the expected annual return rate. The calculator uses the compound interest formula to show the maturity value of your SIP.

The SIP formula is:
FV = P × [(1 + r)^n – 1] × (1 + r) / r
Where:
FV = Future Value, P = monthly investment, r = monthly return rate, n = total months.

It provides an estimate based on the assumed return rate. Actual mutual fund returns may vary due to market performance and fund type.

For equity mutual funds, you can assume 10–12% annual return. For debt funds, 6–8% is more realistic. Always use conservative estimates for planning.

Yes, most mutual fund platforms allow you to increase or decrease your SIP anytime. However, the calculator result will only reflect the fixed amount you enter.

No, this calculator is designed for regular monthly investments (SIPs). Use a lumpsum calculator for one-time investments.

Yes, the calculator is 100% free and doesn’t require login. You can use it anytime to plan your long-term investment goals.