Investments & Wealth

SIP Calculator

Estimate maturity value, total investment and returns on your monthly SIP

SIP details

₹
%
yrs

Estimated maturity value

₹0

How the SIP Calculator works

A Systematic Investment Plan (SIP) invests a fixed amount every month into a mutual fund. Returns compound monthly, so early instalments grow for longer.

Maturity value = P × [((1 + r)n − 1) / r] × (1 + r)
P = monthly SIP  •  r = annual return / 12 / 100  •  n = months
Why use it

Detailed features

Instant projection

See maturity value, amount invested and wealth gained in real time.

Custom return rate

Model conservative or aggressive scenarios with any expected return.

Standard SIP formula

Uses the same compound SIP formula used by leading Indian fund platforms.

On the go

Also available in the free Toolance Android app with 60+ tools.

Frequently asked questions

SIP means Systematic Investment Plan. You invest a fixed amount regularly, usually monthly, into a mutual fund. It helps average purchase cost over time instead of timing the market.
Each instalment grows for the remaining months at the assumed annual return. The tool sums future value of all instalments. Actual fund NAV moves daily, so this is a projection.
Long-term equity mutual funds are often illustrated at 10% to 12% for planning, but past performance is not guaranteed. Debt SIPs use lower assumptions. Be conservative for goals with a fixed deadline.
Many investors step up SIP annually with salary hikes. This calculator uses a fixed monthly amount; for step-up SIP use a dedicated step-up tool or add manual scenarios.
No. Mutual funds are subject to market risk. SIP reduces timing risk but does not remove loss in a prolonged downturn.
Lump sum wins if markets rise steadily from day one. SIP spreads entry and suits monthly cash flow. Our lumpsum vs SIP tool compares both with the same inputs.
This is an educational estimate. Pick funds based on goals, risk and advice from a registered adviser. Not a recommendation to buy any scheme.
No. The SIP calculator is free with no login. Try different amounts and tenures as you plan.