How does the SIP calculator work?

Our SIP calculator uses monthly compounding to project your investment growth. Enter your monthly investment, expected annual return, investment period, optional down payment, and step-up value. The calculator shows total investment, gains, final amount, and a year-wise breakdown with a visual chart.

Is this SIP calculator free to use?

Yes, this SIP calculator is completely free to use. You can calculate mutual fund SIP returns, plan your investments with step-up SIP, and view year-wise breakdowns without any cost or registration.

SIP Calculator - Free Online Mutual Fund SIP Returns Calculator India

Use our free SIP calculator to plan your Systematic Investment Plan. Calculate SIP returns, total investment, wealth growth with step-up SIP and compound interest.

Investment Details

Monthly Investment

Annual Return

Time Period

yrs

Lump Sum (Initial)

Step-Up Configuration

Step-Up Type

Frequency

Step-Up Value

0 = No step-up increase

Your Results

Total Investment

Total Gains

Final Amount

Investment Breakdown

Year	Monthly Investment	Yearly Invested	Annual Interest	Total Invested	Total Gains	Total Value

What is SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is an investment strategy that allows you to invest a fixed amount of money at regular intervals (typically monthly) in mutual funds or other securities. Instead of investing a large lump sum, SIP spreads your investment over time, reducing the impact of market volatility.

Benefits of SIP

Rupee Cost Averaging: Invest the same amount regularly, automatically buying more units when prices are low and fewer when prices are high.
Discipline: Encourages regular saving and investing habits without requiring a large upfront capital.
Lower Risk: Reduces the risk associated with market timing and investing a lump sum.
Compound Growth: Benefit from the power of compounding over time.
Flexibility: Easy to start, pause, or modify SIP amounts according to your financial situation.
Tax Benefits: Eligible for tax deductions and long-term capital gains benefits in many countries.

Calculation Formula

Future Value = P × [((1 + r)ⁿ - 1) / r] × (1 + r)

Where:

P = Monthly investment amount
r = Monthly interest rate (annual rate ÷ 12)
n = Total number of months

How Our SIP Calculator Works

Monthly Compounding: Your investment grows monthly with compound interest based on the annual return rate.
Down Payment: An optional initial lump sum that starts accruing returns immediately.
Step-up: Increases your monthly investment by a fixed percentage or amount at selected intervals (monthly or yearly).
Year-wise Breakdown: The table shows detailed year-wise progression of invested amount, gains, and total value.
Visualization: The chart illustrates the proportion of invested capital vs. gains earned each year.