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Calculate your returns before you invest.
What is a SIP Calculator?
A SIP Investment calculator is a free online tool that helps you estimate how much wealth you can accumulate by investing a fixed amount regularly in mutual funds through SIPs. By mentionally the monthly amount paid, expected rate of return, and investment duration, the Mutual fund SIP calculator gives you an estimate of your maturity value.
How Can a SIP Return Calculator Help You?
A SIP investment plan calculator allows you to plan better by giving you a clear picture of what your regular investments can turn into over time. It removes guesswork and helps you decide how much to invest monthly to reach specific goals—like buying a house, building a retirement fund, or saving for your child’s education. With this best SIP investment calculator, you can try different amounts, durations, and return expectations to find a plan that works for you. It’s not just a number—it’s the roadmap to your financial goals.
SIP Calculators Work Formula
The mutual fund SIP calculator uses a simple compound interest formula to estimate returns:
FV = P × [(1 + r)^n – 1] × (1 + r) / r
Where:
- FV = Future Value
- P = SIP amount (monthly investment)
- r = Rate of return per month (Annual rate ÷ 12 ÷ 100)
- n = Total number of payments (months)
This formula helps determine how much your investment will grow, assuming monthly contributions and compounded returns. While actual returns may vary due to market fluctuations, the formula provides a reliable estimate. This makes our SIP investment calculator a handy tool to forecast your potential earnings, evaluate multiple scenarios, and make informed decisions.
How to Use the SIP Calculator
Using our SIP mutual calculator is simple and takes just a few seconds:
- Enter Monthly SIP Amount
- Enter Expected Annual Return
- Enter Investment Duration
- Get Instant Results – the estimated total investment and future value.
You can also tweak the amount or duration to compare different SIP investment plans.
Advantages of Using a SIP Calculator
The SIP investment calculator is your go-to tool for understanding how small monthly contributions can make a big difference over time.
- Quick and Easy – Get instant estimates with zero math.
- Goal-Based Planning – Align SIPs with specific life goals.
- Compare Plans – Test different return rates, durations, and amounts.
- Better Clarity – See the power of compounding in action.
- Financial Discipline – Reinforces the habit of regular investing.
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Frequently Asked Questions
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
Here’s the standard formula for SIP return calculation:
FV = P × [(1 + r)^n – 1] × (1 + r) / r
Where:
- FV = Future Value
- P = Monthly SIP Amount
- r = Monthly return rate (Annual Rate ÷ 12 ÷ 100)
- n = Total months invested
To calculate SIP returns in mutual funds, you can use either a manual formula or an online SIP mutual calculator, like the ones available at Mentor Wealth. All you need to do is Input your monthly investment, duration (in months), and expected rate of return. The tool will show your total investment and estimated return value, helping you plan better for long-term wealth creation.
Capital gains on SIPs are calculated on a first-in, first-out (FIFO) basis. Each SIP installment is treated as a separate investment, and gains are taxed depending on how long each has been held:
- Equity funds:
- Short-term (<1 year): 20%
- Long-term (>1 year): 12.5% beyond ₹1.25 lakh
- Debt funds:
- Taxed as per your income slab (no indexation benefit as per post-2023 rules)
There is no upper limit. You can start with as little as Rs 100 per month, depending on the fund’s minimum criteria. There’s no maximum cap, so you can increase your SIP amount based on your income, goals, and risk appetite. Tools like the sip investment plan calculator can help you plan this smartly.
- Minimum Tenure: Generally 6 to 12 months, though you can even stop earlier (depending on fund rules).
- Maximum Tenure: No limit. You can invest in SIPs for decades. Long-term SIPs (5–15 years) benefit most from compounding and are ideal for big goals like retirement or home buying.
Let’s start with an example. This example shows how disciplined investing through SIPs can grow your money over time.
You invest Rs 5,000/month for 10 years, expecting 12% annual return. Using the formula or a best sip investment calculator, your estimated future value will be:
- Total invested: ₹6,00,000
- Estimated value: ₹11,61,695
- Gains: ₹5,61,695
To use a mutual fund SIP calculator, you’ll need:
- Monthly SIP Amount
- Investment Duration
- Expected Annual Rate of Return
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
To calculate your SIP returns, you need three inputs: the monthly investment amount, the investment duration, and the expected annual return rate. Using these, you can calculate the future value using a SIP formula or a SIP investment calculator.
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