SIP Calculator

Estimate mutual fund SIP returns, invested amount and future value over time.

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By MerQPrime Editorial TeamUpdated 2026-06-20Reviewed 2026-06-20Editorial policy

Overview

About the SIP Calculator

See how disciplined monthly investing can grow your wealth. Enter your monthly SIP amount, expected annual return and investment period to estimate total invested, returns earned and the future value of your portfolio — ideal for planning mutual fund investments in India.

Benefits

How it works

1Enter how much you plan to invest every month.
2Set an expected annual return rate (based on fund category or past averages).
3Choose the investment duration in years.
4Instantly see invested amount, estimated returns and future value.

Applications

Use cases

Plan a long-term mutual fund SIP for retirement.
Compare different monthly investment amounts.
Set realistic return expectations before investing.
Teach beginners how compounding works over time.

Support

Frequently asked questions

Is SIP return guaranteed?

No. Mutual fund returns depend on market performance. This calculator uses your expected return rate as an estimate — actual results may differ.

What return rate should I use?

Many investors use 10–12% for equity-heavy funds and 6–8% for debt funds as rough planning assumptions. Past performance does not guarantee future returns.

Does this include taxes or exit loads?

No. The estimate is pre-tax and does not account for fund fees, STT or exit loads. Use it for planning, not exact forecasting.