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SIP Calculator — Mutual Fund Return Estimator

SIP calculator projecting the future value of monthly SIP or lumpsum mutual fund investments — amount invested vs estimated gains, instantly.

  • 🧮 Calculator
  • ✓ Free
  • ✓ No sign-up
  • ✓ Private — runs in your browser
  • ✓ Any device

₹

₹
Invested
₹
Est. gains

Why you’ll love SIP Calculator — Mutual Fund Return Estimator

Instant & freeNo signup, no paywall, no limits — SIP Calculator — Mutual Fund Return Estimator works the moment the page loads.
Completely privateEverything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any deviceFully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clearBuilt on the real formulas, with a breakdown you can actually trust.

How to use it

  1. 01

    Open it

    No download and no login — the tool is ready right at the top of this page.

  2. 02

    Use it

    Enter your details or start interacting. Everything updates live as you go.

  3. 03

    Get your result

    Copy, download or share your result in a single tap. That’s it.

About SIP Calculator — Mutual Fund Return Estimator

This SIP calculator projects what a monthly mutual fund SIP could grow to — and a one-tap toggle switches to lumpsum mode so you can compare a single up-front investment against the same money drip-fed monthly. Enter the amount, an expected annual return and the number of years; the future value, total invested and estimated gains update instantly. It runs entirely in your browser with no sign-up and nothing sent to any server.

The SIP projection uses the annuity-due future value formula: FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i), where i is the monthly rate (annual ÷ 12) and n the number of instalments — assuming each contribution goes in at the start of the month, the way real SIP debit dates work. A worked example: ₹10,000 a month at 12% p.a. for 10 years means ₹12 lakh invested growing to roughly ₹23.2 lakh, about ₹11.2 lakh of it compounding gains. Lumpsum mode uses simple annual compounding: FV = P × (1 + r)ᵗ.

Treat the output as a planning estimate, not a promise. Market returns arrive unevenly, and the projection is nominal — before inflation, fund expenses and capital gains tax. Its real job is goal maths: fixing the monthly amount you need for a target corpus, or showing what stretching a goal from 10 years to 15 does to the compounding curve.

Popular uses

  • ✦ Work out the monthly SIP needed to hit a target corpus like ₹1 crore
  • ✦ Plan a child's education or wedding fund on a fixed time horizon
  • ✦ Compare investing a bonus as a lumpsum versus spreading it as SIPs
  • ✦ Show first-time investors what compounding actually does over 10–20 years
  • ✦ Stress-test a retirement plan at conservative vs optimistic return rates

Frequently asked questions

Which formula does this SIP calculator use, and why do results differ between sites?
It uses the annuity-due version of the future value formula — FV = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i) — which assumes each instalment is invested at the start of the month, matching how SIP auto-debits actually work. Some calculators drop the final (1 + i) factor (ordinary annuity, end-of-month investing), which produces a value about one month's growth lower. Both are legitimate; the assumptions just differ.
Is 12% a realistic return to assume?
For long horizons, 10–12% p.a. is the range most planners use for diversified Indian equity funds, based on long-run index history — but past averages are not guarantees, and any 10-year window can land meaningfully above or below. For debt funds assume far less (roughly 6–8%). A sensible habit is to plan at a conservative number and treat anything better as buffer.
SIP or lumpsum — which one ends up bigger?
If you already have the full amount, a lumpsum mathematically wins on average because every rupee is in the market from day one. The same ₹12 lakh invested up-front at 12% for 10 years grows to about ₹37 lakh, versus roughly ₹23 lakh via ₹10,000 monthly SIPs — but the SIP investor only committed money as they earned it. SIPs exist because most people invest from salary, and rupee-cost averaging softens the risk of bad entry timing. Use the toggle to compare both with your own numbers.
Does the projection account for inflation, expense ratios or tax?
No — the figure is nominal and pre-cost. Fund expense ratios are already reflected inside the return you assume (NAVs are net of expenses), but inflation and capital gains tax are not. A quick adjustment: subtract expected inflation (~5–6%) from your return assumption to see the answer in today's purchasing power.
Why does my actual SIP value in my investment app differ from this projection?
Real returns arrive month by month and rarely match a smooth constant rate — a projection at "12%" assumes the same growth every single month. Your app also reflects actual NAV purchase dates, any skipped or extra instalments, and dividends or exit loads. Expect the calculator and reality to converge in shape, not to the rupee.
Is SIP Calculator — Mutual Fund Return Estimator free to use?
SIP Calculator — Mutual Fund Return Estimator is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
How accurate is this calculator?
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.

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