SIP Calculator

What is a SIP Calculator?

A 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