SIP Calculator – Calculate Mutual Fund SIP Returns Online

A SIP calculator helps you to estimate the future value of your mutual fund investments by calculating returns based on your monthly SIP amount, investment duration, and expected annual rate of return. Use Bajaj Broking’s free SIP calculator to instantly know how much return you will get through systematic investing.

icon
Returns Estimator

Estimation is based on the past performance

Enter Monthly Investment Amount

Lorem Ipsum is simply dummy text

1Yr
30Yrs
8%
30%
The total value of your investment after1 Year will be
0,00,000

Invested Amount

00000

Est. Returns

00000

Step-by-Step Guide to Use SIP Calculator

Using the Bajaj Broking SIP Calculator is a simple three-step process:

Step 1: Enter the monthly investment amount you plan to contribute.

Step 2: Eelect the investment duration by entering the number of years you wish to stay invested.

Step 3: Set the expected annual rate of return (%) you anticipate from your mutual fund SIP.

Once these inputs are added, the calculator instantly shows:

  • Total invested amount

  • Estimated returns

  • Total future value at maturity

This helps you plan your SIP goals with clarity and accurate projections. 

What is SIP Calculator?

An SIP Calculator helps you estimate how much your regular investments may grow over time. You enter the monthly investment amount, expected rate of return, and investment duration. The calculator then shows the total investment made, estimated returns, and potential maturity amount.
It helps you:

  • Set realistic goals based on your monthly budget

  • Compare different SIP amounts or durations

  • Understand the long-term effect of compounding

  • Plan for goals like education, home purchase, or retirement

How does SIP calculator work?

SIPs work by investing a fixed amount at regular intervals, regardless of market levels. When markets fall, you buy more units; when markets rise, you buy fewer units. This is called rupee-cost averaging. Over time, it helps smooth out market fluctuations and builds wealth steadily.
Key aspects:

  • Automatic, disciplined investing

  • No need to time the market

  • Compounding boosts long-term growth

SIP Calculation Formula

Most SIP Calculators use the standard future value formula for monthly investments:

Future Value of SIP = P × {(1 + r)^n - 1}/r​ × (1 + r)

Where:

This formula helps estimate the maturity amount by accounting for monthly contributions and compounding.

Example:

  • P = ₹2,000 per month

  • Annual return = 12% → Monthly r = 1% (0.01)

  • Tenure = 5 years → n = 60 months

Future Value = 2,000 × {[(1.01)⁶⁰ − 1] ÷ 0.01} × 1.01

  • (1.01)⁶⁰ ≈ 1.816

  • (1.816 − 1) ÷ 0.01 = 81.6

  • 2,000 × 81.6 × 1.01 ≈ ₹1,64,832

Final Value: ≈ ₹1.65 lakh.

How SIP Calculator with Inflation Works?

A SIP Calculator with inflation shows how rising prices affect your future financial goals. You enter the inflation rate along with your SIP details, and the tool calculates the real value of your expected returns. It helps you understand how much you’ll truly need to meet goals like education or retirement after adjusting for inflation.

Benefits of Using a SIP Calculator

A SIP Calculator gives clarity on how your investments may grow, helping you plan better. You can compare different SIP amounts, see the impact of compounding, and estimate how long it might take to reach a particular goal.

Benefits include:

  • Instant projections

  • Helps adjust SIP amount or tenure

  • Offers realistic expectations instead of guesswork

  • Improves financial discipline and long-term planning

How a SIP Calculator Helps You Plan Returns

A SIP Calculator shows how small, consistent investments grow into a sizeable corpus over time. It helps you test different scenarios—like increasing SIP amounts or extending the duration—to understand their impact on returns.

You can use it to:

  • Estimate future wealth

  • Compare short-term vs long-term outcomes

  • Plan for specific goals

  • Adjust your SIP based on affordability

This makes financial planning clearer and more structured.

Frequently Asked Questions

What is the difference between SIP and lumpsum investment?

A lumpsum investment involves using a large sum to purchase fund units upfront. This is a one-time investment. However, a SIP or Systematic Investment Plan involves investing small sums regularly, at fixed intervals. 

Can I withdraw my SIP amount within 6 months?

Yes, it is possible to withdraw your SIP investments at any time. However, close-ended mutual funds and Equity Linked Savings Schemes (ELss) are the exceptions to this rule. 

Are there any charges applied to withdraw money from SIP?

Some mutual fund schemes may come with exit load fees that are levied when you redeem your SIP investments. 

What to do if I miss my SIP?

Missing one SIP instalment may not lead to any penalty or issue. However, consistent defaults for 3 months or more may result in a penalty or in the SIP being cancelled. So, ensure that you do not miss the next SIP as well.

How do I use a SIP calculator for investment planning?

A SIP calculator is simple to use: you enter three factors, the monthly investment amount, the anticipated yearly return, and the investment time frame. The calculator then calculates your total invested amount, intended return, and expected maturity value. This allows for comparing potential scenarios, having realistic expectations and planning effective SIPs for long-term wealth generation.

How much can I invest in a SIP?

You can invest in a SIP with as little as Rs. 100 per month, depending on the mutual fund scheme. There is no defined upper limit, so you can continue increasing contributions as your income rises. Your investment should always be consistent with your financial goals and risk tolerance.

What is the maximum tenure of a SIP?

Most mutual funds offer SIP tenures ranging from 1 year to 30 years. A tenure is suitable based on your investment goal: shorter tenures for medium-term goals, and longer tenures for wealth accumulation. You can change the SIP at any time based on your financial status and stop or change it at any time.

Are there any upper limits in SIP investments?

There is no limit to the maximum SIP investment. You may contribute any amount you believe you can afford and that is suitable for your goals. However, some mutual funds may have their own limits or minimum incremental amounts. In any case, you should always review the scheme documents for your fund before entering any high-value SIP arrangements.

What is a good SIP return rate in India?

A good SIP return rate in India typically ranges between 10% and 15% annually over the long term. It totally depending on market conditions and the type of mutual fund. 

Is SIP return guaranteed?

SIP is a method of investing in mutual funds, and returns depend on market performance and the type of fund. While SIP helps reduce market timing risk through disciplined investing, the actual returns may vary based on market conditions.

How accurate is a SIP calculator?

A SIP calculator provides a reasonably accurate estimate based on the inputs, such as SIP amount, investment duration, and expected return rate. However, it assumes constant returns and does not account for market volatility, fund changes, or real-world factors that can affect actual returns.

Can I increase my SIP amount every year?

Yes, you can increase your SIP amount every year using a step-up SIP or top-up SIP. This allows you to increase your investment in line with income growth, helping you accumulate more wealth over time without significantly impacting your monthly budget.

Which SIP duration is best?

Longer durations of 10–20 years or more are generally more effective for wealth creation. Long-term SIPs benefit from compounding and help smooth out short-term market volatility, especially when you are investing in equity mutual funds.

Is SIP better than FD?

SIP and FD serve different purposes. SIPs in equity mutual funds usually offer higher return potential over the long term, but with market risk. Fixed Deposits provide stable and guaranteed returns. 

Our Secure Trading Platforms

Level up your stock market experience: Download the Bajaj Broking App for effortless investing and trading

Bajaj Broking App Download

11 lakh+ Users

icon-with-text

4.8 App Rating

icon-with-text

4 Languages

icon-with-text

₹7,900+ Cr MTF Book

icon-with-text
banner-icon

Open Your Free Demat Account

Enjoy low brokerage on delivery trades

+91

|

Please Enter Mobile Number

Open Your Free Demat Account

Enjoy low brokerage on delivery trades

+91

|