SIP Calculator

Invested Amount

₹0

Est. Returns

₹0

Future Value

₹0

Year Invested Amount Interest Earned Year-End Value

About the SIP Calculator Tool

Plan your financial future by estimating the potential returns on your Systematic Investment Plan (SIP). See how small, regular investments can grow into a significant corpus over time.

How to Calculate SIP Returns

  1. Use the Sliders or Inputs: Adjust your monthly investment, expected return rate, and investment period.
  2. View the Results: The cards instantly show your total investment, estimated gains, and the final projected value.
  3. Analyze the Chart: The pie chart visually breaks down your total wealth into your contributions and your earnings.
  4. Check the Projection: Click the "Show Yearly Projection" button to see a detailed year-by-year table of your investment's growth.

Plan Your Complete Financial Picture:

Go to EMI Calculator

While planning your investments, check your liabilities for loans.

📌 Frequently Asked Questions

What is a SIP?

+

A Systematic Investment Plan (SIP) is a method of investing a fixed sum of money regularly, typically monthly, into a mutual fund scheme. It helps in disciplined investing, avails the benefit of rupee cost averaging, and harnesses the power of compounding.

Is the calculated return guaranteed?

+

No. The calculator shows a projection based on the 'Expected Annual Return Rate' you enter. Actual returns from mutual funds and other investments can be higher or lower, as they are subject to market risks. This tool is for estimation and planning purposes only.

Is my investment data saved?

+

No, your privacy is assured. All calculations are performed in your browser. The financial data you enter is never sent to our servers or stored in any way.

Free SIP Calculator: Estimate Your Mutual Fund Returns

Introduction: Visualize Your Path to Wealth Creation

A Systematic Investment Plan (SIP) is one of the most powerful and disciplined ways to build wealth over the long term. By investing a fixed amount regularly, you can harness the magic of compounding and navigate market volatility. The SIP Calculator from NexaPrep Tools is a free, intuitive online tool that helps you estimate the future value of your investments. By entering your monthly investment amount, the expected annual return rate, and the investment period, you can get a clear projection of how your money can grow. This tool is perfect for financial planning and setting investment goals, and all calculations are performed privately in your browser.

Why Use a SIP Calculator?

A SIP calculator is an essential tool for any investor, whether you're just starting or have been investing for years.

  • Understand the Power of Compounding: The calculator visually demonstrates how compounding works. You can see how your small, regular investments can grow into a significant corpus over time, as your returns start generating their own returns.
  • Set Clear Financial Goals: Want to save for a down payment on a house, your child's education, or retirement? Use the calculator to work backward. You can adjust the monthly investment amount or the time period to figure out what it will take to reach your target amount.
  • Stay Motivated and Disciplined: Seeing a tangible projection of your potential wealth can be a powerful motivator to stay disciplined with your monthly investments, especially during periods of market downturns.
  • Compare Different Investment Scenarios: Easily see how a higher monthly investment or a longer investment horizon can dramatically affect your final returns. This helps you make informed decisions about your investment strategy.
  • Make Informed Decisions: The calculator provides a clear breakdown of your total invested amount versus your estimated returns, helping you understand how much of your final corpus comes from your contributions and how much comes from growth.

How to Calculate Your SIP Returns: A Simple Guide

Our tool provides instant projections as you input your data:

  1. Enter Your Monthly Investment: Input the fixed amount you plan to invest each month through your SIP.
  2. Enter the Expected Annual Return Rate (%): Input the estimated annual rate of return you expect from your mutual fund. This is an estimate; historical returns are not a guarantee of future performance. A common long-term estimate for equity funds is 10-12%.
  3. Enter the Investment Period (Years): Input the total number of years you plan to stay invested.

The output area will automatically update to show you the Total Invested Amount, the Estimated Returns, and the projected Future Value of your investment.

Important Disclaimer: Projections, Not Guarantees

It is crucial to remember that a SIP calculator provides an **estimation**, not a guarantee. The actual returns you receive from your mutual fund investments are subject to market risks and can be higher or lower than the expected rate you enter. The value of this tool lies in its ability to help you plan and visualize potential outcomes based on your assumptions. It should be used for educational and financial planning purposes only.

Your Financial Planning is Private

Your investment plans are personal and confidential. The Tools Guru 24 SIP Calculator is a 100% client-side tool. The financial figures you enter are processed by a script running in your browser on your own device. Your data is never sent to our servers, logged, or stored. You can plan your financial future with the complete assurance that your information remains secure and private.

SIP Calculator – Estimate Your Mutual Fund Returns Free

What is SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals (monthly, quarterly). It's the most disciplined and beginner-friendly way to build wealth through equity markets, leveraging the power of rupee cost averaging and compound interest.

How to Use This SIP Calculator

  1. Enter your monthly investment amount.
  2. Enter the expected annual return rate (equity mutual funds historically return 12-15% p.a. over the long term; use 10-12% for realistic estimates).
  3. Enter the investment period in years.
  4. See your future value, total invested, and total gains instantly.

The Power of SIP: An Example

  • ₹5,000/month × 10 years × 12% p.a. = ₹11.6 lakh maturity value vs. ₹6 lakh invested.
  • ₹10,000/month × 20 years × 12% p.a. = ₹98 lakh maturity value vs. ₹24 lakh invested.

SIP Investing Best Practices

  • 📅 Start early — time in market beats timing the market.
  • 📈 Increase your SIP amount by 10% annually (step-up SIP) to match income growth.
  • 🎯 Choose diversified equity funds for long-term goals (7+ years).

SIP Calculator – Systematic Investment Plan Returns Calculator | India & Global

Plan your wealth creation journey with our free SIP return calculator. Used by individual investors, financial advisors, and students across India, USA, Canada, UK, and Australia to estimate mutual fund SIP returns and plan for long-term financial goals.

Investment Planning by Region

  • 🇮🇳 India: Calculate returns for SBI, Mirae, Axis, HDFC, and Nippon mutual fund SIPs.
  • 🇺🇸 USA: Similar to DCA (Dollar Cost Averaging) calculators for index fund investments.
  • 🇬🇧 UK: Useful for ISA investment planning and regular savings scheme projections.
  • 🌍 Global: Any regular investment plan with compound growth can be modelled with this tool.