SIP Calculator

A SIP calculator is an easy-to-use tool that helps you understand how your monthly investments in mutual funds can grow over time. You just need to enter your monthly amount, the time period, and the expected return rate.

It then shows how much wealth you can build using the power of compounding and rupee cost averaging. Whether your goal is to buy a house, a car, or plan for retirement, it helps you get a clear picture of your financial growth.

Why Should You Use a SIP Calculator?

A SIP calculator helps you plan your finances smartly and saves time.

• Future Value Projection:
  Enter your monthly investment, duration, and return rate to get an estimate.
  Example: Investing ₹10,000 per month for 10 years at 12% annual return can grow to ₹23.2 lakh.
• Reverse Planning:
  If you want to reach ₹1 crore in 20 years, the calculator shows that you need to invest around ₹8,730 per month at 13% return.
  For a 10-year goal, you’ll need around ₹40,538 per month.
• Quick and Time-Saving:
  Instead of manual math, enter your details and get instant results.
• Experiment with Scenarios:
  Try different amounts, durations, or return rates to see what suits your goals.

How Does a SIP Calculator Work?

SIP calculators use a standard mathematical formula to calculate the maturity amount:

M = P × ({[1 + i]^n – 1} / i) × (1 + i)

Where:

• M = Maturity amount
• P = Monthly investment
• n = Total number of months
• i = Monthly return rate (annual rate ÷ 12)

Example:
If you invest ₹25,000 per month for 10 years at 12% annual return, your monthly rate will be 0.95%.
Your total investment of ₹30 lakh may grow to around ₹58.08 lakh, earning ₹28.08 lakh in returns.

Monthly SIP	Tenure (Years)	Expected Return	Total Value	Returns Earned
₹10,000	10	12%	₹23.2 lakh	₹11.2 lakh
₹10,000	20	12%	₹99.9 lakh	₹75.9 lakh
₹25,000	10	12%	₹58.08 lakh	₹28.08 lakh

Why SIP Calculators Matter in 2025

In 2025, SIP calculators are seeing massive use. According to AMFI, SIP inflows reached ₹23,332 crore in July 2025, showing a strong rise in investor confidence.

Platforms like Groww and SBI Securities have made investment planning easier with interactive charts and simple interfaces. Even beginners can now track their potential wealth growth easily.

However, it’s important to remember that returns depend on market performance and are not guaranteed. Factors like exit loads and expense ratios can also impact your actual returns.

How to Use a SIP Calculator

1. Enter your monthly investment (e.g., ₹5,000).
2. Choose the investment duration (e.g., 15 years).
3. Add the expected return rate (e.g., 12%).
4. Click on calculate to see your total corpus, investment, and returns.

Most platforms also show charts and graphs that visually track your investment growth.

Things to Remember

SIP calculators are great for planning, but results are based on estimates. The stock market fluctuates, and actual returns may vary. Always read the fund details carefully, understand charges like exit loads, and invest only after proper evaluation.