SIP Calculator: How to Estimate Mutual Fund Returns (2026)

A SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. A SIP calculator helps you estimate how much your investment could grow over time. This guide explains how it works and how to use one for free.

What is a SIP?

Instead of investing a large amount at once, a SIP spreads your investment across months. This builds discipline and averages out the purchase price over time (called rupee-cost averaging).

How does a SIP calculator work?

It uses the future value of a monthly investment. The key inputs are: your monthly amount, the expected annual return, and the number of years. The calculator compounds your money month by month to estimate the final value.

• Invested amount = monthly amount × number of months
• Estimated returns = final value − invested amount

Example

If you invest ₹5,000 every month for 10 years at an expected 12% annual return, your total investment would be ₹6,00,000, and the estimated maturity value would be around ₹11.6 lakh. The extra amount is your estimated return.

Important: returns are not guaranteed

Mutual funds are linked to the market, so actual returns will differ from the estimate. A calculator only shows a projection based on the rate you enter. Always treat it as a rough guide, not a promise.

How to use our free SIP calculator

1. Open the SIP & Lumpsum calculator.
2. Choose SIP (monthly) mode.
3. Enter your monthly amount, expected return, and number of years.
4. Click Calculate to see the invested amount, estimated returns and total value.