Free SIP calculator to calculate mutual fund SIP returns with compound interest. Calculate step-up SIP, CAGR, inflation-adjusted returns, and plan your investment goals. Accurate SIP returns calculator for Indian investors with year-by-year breakdown and interactive charts.
Optional initial investment (one-time)
Enter your monthly SIP amount
How long will you invest?
Expected rate of return per year
Your investment projection
Investment Summary
Visual breakdown of invested amount vs returns over time
The cumulative amount you've invested (monthly SIPs + lump sum)
The gains/losses earned on your investments through compounding
Year-by-year portfolio value and returns
| Year | Total Invested | Returns | Portfolio Value | Cumulative Growth |
|---|---|---|---|---|
| Year 1 | 12.00K $12,000 | 809 $809 | 12.81K $12,809 | 1.07x 6.74% |
| Year 2 | 24.00K $24,000 | 3.24K $3,243 | 27.24K $27,243 | 1.14x 13.51% |
| Year 3 | 36.00K $36,000 | 7.51K $7,508 | 43.51K $43,508 | 1.21x 20.85% |
| Year 4 | 48.00K $48,000 | 13.83K $13,835 | 61.83K $61,835 | 1.29x 28.82% |
| Year 5 | 60.00K $60,000 | 22.49K $22,486 | 82.49K $82,486 | 1.37x 37.48% |
| Year 6 | 72.00K $72,000 | 33.76K $33,757 | 105.76K $105,757 | 1.47x 46.88% |
| Year 7 | 84.00K $84,000 | 47.98K $47,979 | 131.98K $131,979 | 1.57x 57.12% |
| Year 8 | 96.00K $96,000 | 65.53K $65,527 | 161.53K $161,527 | 1.68x 68.26% |
| Year 9 | 108.00K $108,000 | 86.82K $86,822 | 194.82K $194,822 | 1.80x 80.39% |
| Year 10 | 120.00K $120,000 | 112.34K $112,339 | 232.34K $232,339 | 1.94x 93.62% |
The power of compounding works best over longer periods. Even small amounts invested early can grow significantly.
Regular monthly investments help average out market volatility and build disciplined investing habits.
Monitor your SIP performance and adjust amounts based on your financial goals and market conditions.
Increase your SIP amount annually to keep up with inflation and accelerate wealth building.
Our advanced SIP Calculator is the best free online Systematic Investment Plan calculator that helps you plan your mutual fund SIP investments and calculate potential returns with bank-level accuracy. Whether you're a beginner investor investing ₹1,000 per month or an experienced one planning lakhs in SIP, this comprehensive investment calculator provides accurate calculations using compound interest formulas to help you make informed investment decisions and achieve your financial goals.
Calculate SIP returns, plan for retirement, save for your child's education, or build wealth - our SIP returns calculator covers all your investment planning needs. Features include step-up SIP calculator for increasing investments, inflation-adjusted returns to show real purchasing power, CAGR calculator for compound annual growth rate, year-by-year breakdown, and interactive charts to visualize your investment journey.
Whether you're planning your first SIP investment or optimizing your existing portfolio, our SIP Calculator provides the tools and insights you need to make informed investment decisions and achieve your financial goals.
A SIP Calculator is a free online financial tool that calculates potential returns from Systematic Investment Plans (SIP). It helps you plan your monthly SIP investments, calculate future value using compound interest, and understand how your money grows over time. Enter your monthly SIP amount, investment duration, and expected returns to get detailed projections including total invested, returns, final value, and CAGR.
SIP (Systematic Investment Plan) is an investment strategy where you invest a fixed amount regularly in mutual funds. It helps in rupee cost averaging and building wealth over time through the power of compound interest.
SIP returns are calculated using compound interest formula: A = P × [((1 + r)^n - 1) / r] × (1 + r), where P is monthly investment, r is monthly return rate, and n is number of months.
Step-up SIP allows you to increase your monthly investment by a fixed percentage annually or monthly, helping you invest more as your income grows and accelerate wealth building.
Inflation reduces the purchasing power of your money over time. Our calculator shows both nominal returns and inflation-adjusted real returns to help you understand the true value of your investment.
Start with an amount you can comfortably invest every month. Even ₹1,000 per month can grow significantly over time. The key is consistency and increasing the amount as your income grows.
Yes! Our SIP Calculator is completely free to use. No registration, no sign-up, no hidden charges. You can calculate unlimited SIP returns, project your mutual fund investments, plan for financial goals, and export your results - all without any cost.
Our SIP Calculator uses the standard compound interest formula used by financial institutions and mutual funds. The calculations are 100% accurate and match industry standards. Results include total invested amount, returns, final value, CAGR (Compound Annual Growth Rate), and year-by-year breakdown.
Yes! The calculator works for all types of mutual fund SIPs including equity funds, debt funds, hybrid funds, and index funds. Simply enter the expected annual return rate for your fund type (typically 12-15% for equity funds, 6-8% for debt funds) and calculate your returns.
Calculating SIP online is easy with our free SIP calculator. Enter your monthly SIP amount (e.g., ₹5,000), investment duration in years (e.g., 10 years), and expected annual return percentage (e.g., 12%). Click calculate to instantly see your total invested, returns, final value, CAGR, and year-by-year projections. You can also export the results to CSV.
Try combining multiple tools for a complete workflow. For example: Notepad → Text Encryption → Save to Cloud or Date Calculator → Calendar → Countdown Timer
Convert text to Base64 format and decode Base64 strings
Format, validate, and minify JSON data with syntax highlighting and error detection
Convert between YAML and JSON formats with validation and formatting
Professional EMI calculator with balloon payments, 150+ currencies, and detailed amortization schedules. Bank-level accuracy for mortgages, auto loans, and business financing.
Take control of your finances with comprehensive budget planning. Track income, expenses, set budgets, and achieve financial goals with detailed analytics
Calculate tips, split bills, add tax, and round totals with our comprehensive tip calculator. Perfect for restaurants, delivery, and service industry
We'd love to hear your thoughts! Your feedback helps us improve our tools and create a better experience for everyone.
Tell us what you think about this tool