SIP Calculator
Calculate Your Mutual Fund Returns

Estimate your SIP or lumpsum corpus instantly with our free mutual fund calculator. Switch between
monthly investing and one-time investing, enter the expected return rate, and see your invested amount, estimated returns, and total value.

Monthly SIP calculator Lumpsum growth calculator Mutual fund returns
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SIP uses monthly investing. Lumpsum uses a one-time investment and annual compounding.

SIP Returns Summary

Check your Results Here!
Invested amount ₹0
Est. returns ₹0
Total value ₹0

What is SIP?

A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals, usually every month, into a mutual fund. The amount compounds over time, so even small investments can grow into a larger corpus.

Use the SIP tab for monthly investing or switch to Lumpsum to check the growth of a one-time investment. The calculator below shows your invested amount, estimated returns, and total value in real time.

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Monthly Investment

Your fixed SIP amount is invested every month and builds the base for future growth.

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Expected Return Rate

This is the annual growth rate you expect from the fund. Higher rates increase the final corpus.

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Time Period

A longer holding period gives compounding more time to work in your favour.

How to Use This SIP Calculator

The calculator is designed to be quick and simple. Enter the values in the active tab and the results update automatically.

1
Choose SIP or Lumpsum
Use SIP for monthly investing or Lumpsum for a single investment amount.
2
Enter the Investment
Type your monthly SIP amount or your one-time lumpsum investment.
3
Set Return Rate and Time
Enter the expected annual return rate and how long you plan to stay invested.
4
Read Your Results
See the invested amount, estimated returns, and total value instantly.

SIP Calculation Formula Explained

SIP returns are based on the future value of a series of monthly investments. Lumpsum uses standard compound growth on the full amount.

SIP Formula
FV = P × [((1 + r)n - 1) / r] × (1 + r)
Where:
P = Monthly investment amount
r = Monthly return rate (Annual rate ÷ 12 ÷ 100)
n = Number of months (Time period in years × 12)
Lumpsum Formula
FV = P × (1 + r)t
Where:
P = Total investment
r = Expected annual return rate ÷ 100
t = Time period in years
Example SIP returns calculation
SIP investment = ₹100 per month | Return rate = 8% p.a. | Time = 1 year
Invested amount = ₹1,200
Estimated returns = ₹53
Total value = ₹1,253

Frequently Asked Questions

SIP returns are calculated using a compound-growth formula that applies the expected monthly return rate to each instalment over the selected time period.

SIP invests a fixed amount regularly, while lumpsum invests the full amount at once. Both can grow over time, but the risk and timing profile is different.

No. The calculator shows an estimate based on the return rate you enter. Actual market returns can be higher or lower.

Use a conservative estimate based on the fund category and your investment horizon. You can compare multiple scenarios by changing the rate.