SIP Calculator – Free Online Tool
Quick Answer
Calculate SIP (Systematic Investment Plan) returns for mutual funds with this free SIP calculator from Toolscal. Enter monthly investment, rate, and duration to see projected returns without signup or downloads.
Calculate returns on Systematic Investment Plans (SIP) for mutual funds
What is SIP Calculator? A SIP calculator computes Systematic Investment Plan returns instantly. SIP formula equals FV = P × [((1+r)^n - 1) ÷ r] × (1+r). Example: ₹5,000 monthly at 12% for 10 years equals ₹11.6 lakh total value. Shows invested amount vs returns for mutual fund planning.
Your SIP Returns
Note: This is an estimate based on assumed returns. Actual returns may vary based on market conditions. SIP does not guarantee returns. Please consult a financial advisor for personalized advice.
📐 SIP Calculation Formula
SIP Future Value Formula = P × [((1+r)^n - 1) ÷ r] × (1+r)
P = Monthly investment amount
r = Monthly return rate (Annual % ÷ 12 ÷ 100)
n = Total number of months
Example 1: ₹5,000 Monthly SIP
Monthly Investment = ₹5,000
Annual Return = 12% (1% monthly)
Period = 10 years (120 months)
Total Invested equals ₹6,00,000
Returns equals ₹5,60,000
Maturity Value equals ₹11,60,000
Example 2: ₹10,000 Monthly SIP
Monthly Investment = ₹10,000
Annual Return = 12%
Period = 20 years (240 months)
Total Invested equals ₹24,00,000
Returns equals ₹76,00,000
Maturity Value equals ₹1,00,00,000 (₹1 Crore)
How to reach ₹1 Crore:
15 years = ₹18,193 monthly SIP @ 12%
20 years = ₹10,000 monthly SIP @ 12%
25 years = ₹6,440 monthly SIP @ 12%
Expected Returns by Fund Type:
Equity Funds = 12-15% annual
Balanced Funds = 10-12% annual
Debt Funds = 7-9% annual
⚖️ Your SIP Investment Journey
Monthly Commitment
For 10 years = ₹6,00,000 invested
₹5,000
Power of Compounding
93.6% gain on investment
₹5,61,695
Wealth Multiplier
Your money will grow this many times
1.94x
Years to ₹1 Crore
At current rate
763 years
🎯 Common Use Cases
₹5,000/month SIP
Investment strategy recommendation:
Example:
Balanced SIP: ₹5,000/month shows good discipline. 10 years = ₹11,61,695. Split across 2-3 funds for diversification.
12% Expected Return
Fund type recommendation:
Example:
Moderate (12%): Balanced/Hybrid funds. Moderate risk. Ideal for medium-term goals (5-10 years). Returns: ₹5,61,695.
10 Year Investment Horizon
Goal planning:
Example:
Medium-term (10 years): ₹11,61,695 corpus. Suitable for: Child education, house down payment, wealth building. Mix equity and balanced funds.
How to Use
- 1Enter your monthly investment amount
- 2Set expected annual return rate (typically 10-15%)
- 3Choose investment time period in years
- 4View projected returns and total corpus
Why Use This Tool?
- Plan retirement corpus through systematic investing
- Calculate wealth creation potential
- Compare different investment scenarios
- Set realistic financial goals
- Understand power of compounding
Frequently Asked Questions
What is SIP?
SIP equals Systematic Investment Plan. Regular monthly mutual fund investment. Example: ₹5,000 monthly SIP at 12% for 10 years equals ₹11.6 lakh corpus.
How to calculate SIP returns?
SIP return equals FV = P × [((1+r)^n - 1) ÷ r] × (1+r). P equals monthly amount, r equals monthly rate, n equals months. Example: ₹5,000 × 120 months at 12% equals ₹11.6 lakh.
What is a good SIP return?
Good SIP return equals 10-15% annually. Equity funds historically give 12-15%. Conservative equals 8-10%. Example: 12% annual equals 1% monthly compounding.
How much SIP for 1 crore?
₹1 crore in 15 years equals ₹18,193 monthly SIP at 12%. 20 years equals ₹10,000 monthly. Example: Start early with ₹10,000 SIP equals ₹1 crore in 20 years.
Is 5000 SIP per month good?
₹5,000 SIP per month good for beginners. 10 years at 12% equals ₹11.6 lakh. 15 years equals ₹25 lakh. 20 years equals ₹50 lakh. Start early equals better compounding.
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