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SIP Calculator

SIP Calculator – Calculate Your Mutual Fund Returns Online

Use Personal Loan Guru free SIP Calculator to estimate the future value of your investments and plan your financial goals with confidence. Whether you're investing monthly in mutual funds or planning long-term wealth creation, our online SIP calculator helps you calculate your expected returns instantly.

Investment details

₹500 ₹10,00,000
1% 30%
1 yr 40 yrs
Adjust values to see instant results

Estimated returns

Total invested ₹ 0
Estimated returns ₹ 0
Maturity value ₹ 0
20 yrs · ₹5,000/month

The SIP calculator allows investors to determine the maturity amount, total investment value, and estimated returns based on monthly investment amount, expected return rate, and investment tenure.

What is a SIP Calculator?

A SIP Calculator is an online financial tool that helps investors estimate the potential returns from their Systematic Investment Plan (SIP) investments in mutual funds.

  • Calculate estimated maturity value.
  • Determine total investment amount.
  • Estimate wealth generated over time.
  • Compare different investment scenarios.
  • Plan financial goals effectively.

What is SIP?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum amount, SIP allows investors to invest monthly, quarterly, or at regular intervals, helping build wealth through disciplined investing.

SIP Calculation Formula & Example
M = P × ((1 + r)n − 1) / r × (1 + r)
M = Maturity Amount
P = Monthly SIP Investment
r = Monthly Rate of Return
n = Number of Monthly Investments
Example: ₹10,000/month · 20 yrs · 12% annual
Total invested ₹24,00,000
Returns ₹75,91,000
Maturity ₹99,91,000
Benefits of Investing Through SIP

Disciplined investing

Regular investments build consistency.

Reduces volatility

Rupee cost averaging lowers impact.

Small amounts

Start with as little as ₹500.

Compounding

Power of compounding over long term.

Goal planning

Achieve long-term financial goals.

Frequently Asked Questions