Systematic Investment Plan (SIP) calculator
Systematic Investment Plan — estimate your mutual fund SIP returns
What is a SIP Calculator?
A Systematic Investment Plan (SIP) calculator is a simple tool that tells you how much your monthly mutual fund investment will grow over time. Suppose you’re a salaried person and you're putting ₹5,000 a month into a fund on Groww or Zerodha or whatever it is and want to know what it'll be worth in 10 or 15 years, then SIP calculator is the tool you need. It does compound interest math instantly, no spreadsheet, no guesswork. CalciHub's SIP calculator shows your total invested amount, estimated returns, and final corpus in one go.
How Does SIP Calculator Work?
The math behind SIP is compound interest applied monthly. Each installment you put in earns returns on top of returns, that's the compounding effect. Here's the formula:
M = P × [{(1 + r)ⁿ – 1} / r] × (1 + r)
M = Maturity amount (what you get at the end)
P = Monthly SIP amount (how much you invest each month)
r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
n = Total number of months (years × 12)
How to Use CalciHub's SIP Calculator
1. Enter your monthly SIP amount in ₹.
2. Enter the expected annual return rate (check your fund's historical returns on Groww or Paytm Money).
3. Enter the investment duration in years.
4. Click Calculate, you'll see your invested amount, estimated returns, and total corpus side by side.
Tip : Try running the calculator twice, once at 10% returns and once at 12% to see how much the difference adds up over 20 years. It's usually surprising.
A Quick Example
Priya, a 28 year-old software engineer in Bengaluru, starts a SIP of ₹8,000 per month in an equity mutual fund on Groww. She expects 12% annual returns and plans to stay invested for 15 years.
Monthly SIP: ₹8,000
Expected return: 12% per annum
Duration: 15 years (180 months)
Total invested: ₹14,40,000
Estimated returns: ₹25,83,600
Corpus at maturity: ₹40,23,600
Priya put in ₹14.4 lakh and got back over ₹40 lakh, that's the power of staying invested long enough.
Frequently Asked Questions
Most financial planners use 10–12% for equity mutual funds when estimating long-term SIP returns. Large-cap funds tend to be on the lower end, mid-cap and small-cap funds can run higher. For conservative planning, 10% is a safer assumption. For aggressive scenarios, 12–14% is used.
Yes, this is called a step-up or top-up SIP. Many fund platforms like HDFC MF and Zerodha allow you to increase your SIP by a fixed percentage every year. While CalciHub's SIP Calculator uses a fixed monthly amount, you can manually recalculate with the new amount to compare scenarios.
SIP is a way of investing in mutual funds, not a separate product. You can also invest a lump sum in the same fund. SIP just means you're putting in a fixed amount each month, which averages out your buying price over time.
Missing one or two instalments doesn't close your SIP or attract a penalty in most cases. Your bank might charge a small fee if the auto-debit bounces. Consistently missing payments, though, reduces the compounding effect, which is the main reason SIPs work in the first place.
Yes, completely free. No login, no sign-up, no hidden charges. You can use CalciHub's SIP calculator as many times as you want.
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Guides on this topic
View all posts →Longer reads that explain the method behind the numbers.