Free SIP Calculator 2026 to calculate SIP returns, maturity value and investment growth using compound interest. Plan mutual fund SIPs with instant results.
Calculate your Systematic Investment Plan returns and achieve your financial goals with compound growth
Amount you want to invest every month
Expected annual rate of return (e.g., 12% for equity funds)
How long you want to continue this SIP
SIP Formula
FV = P × ((1 + r/n)^(n×t) - 1) / (r/n) × (1 + r/n)
Where P = Monthly Investment, r = Annual Rate, t = Years, n = 12 (monthly)
Enter your investment details
Your SIP calculation results will appear here
The SIP calculator uses the compound interest formula to calculate the maturity value of your systematic investment plan.
Final Value = P × ((1 + r/n)^(n×t) - 1) / (r/n) × (1 + r/n)
Where:
P = Monthly Investment Amount
r = Expected Annual Return Rate (in decimal, e.g., 0.12 for 12%)
t = Time Period (in years)
n = 12 (number of times interest is compounded per year, monthly)
Total Investment = P × 12 × t
Estimated Returns = Final Value - Total Investment
SIP is a method of investing a fixed amount regularly (monthly/quarterly) in mutual funds. It helps build wealth through disciplined investing and rupee-cost averaging, reducing the impact of market volatility.
SIP returns are calculated using the compound interest formula: FV = P × ((1 + r/n)^(n×t) - 1) / (r/n) × (1 + r/n), where P is monthly investment, r is annual return rate, t is time in years, and n is 12 (monthly compounding).
Equity mutual funds historically provide 10-15% annual returns, while debt funds offer 6-8%. However, returns vary based on market conditions, fund performance, and investment duration. Longer investment periods generally yield better returns.
Most mutual funds allow SIPs starting from ₹500 per month. However, for meaningful wealth creation, financial experts recommend investing at least ₹1,000-₹5,000 per month depending on your financial goals and capacity.
Yes, most mutual funds allow you to increase, decrease, or pause your SIP. You can also start multiple SIPs in the same fund with different amounts. Some funds offer a 'step-up SIP' feature to automatically increase your investment periodically.
SIP works best over long periods (5+ years) due to the power of compounding. The longer you invest, the more your money grows. For retirement planning, 15-20 year SIPs are ideal. For short-term goals (3-5 years), consider debt or hybrid funds.
No, SIP returns are not guaranteed as mutual funds are market-linked investments. However, long-term SIPs in diversified equity funds have historically provided good returns. Past performance doesn't guarantee future results, but disciplined long-term investing generally reduces risk.
Yes, most SIPs are flexible and allow you to withdraw (redeem) your investment anytime. However, some funds may have an exit load (fee) if you withdraw within a specified period (usually 1 year). ELSS (tax-saving) funds have a 3-year lock-in period.