SIP Calculator – Calculate Your SIP Returns Online

Total Invested

Intrest return

Total Amount


Quick answer

Enter your monthly investment amount, expected annual return rate, and investment duration in months; the tool estimates the future value of your SIP and the total amount invested.

Key facts

  • Uses the standard SIP future-value formula for a monthly investment compounding at the expected rate|Shows both the estimated future value and the total amount invested (principal)|Assumes a constant monthly investment and constant expected rate of return|Runs entirely in your browser via JavaScript, no data sent to a server|Free with no usage limit

What is this tool?

This tool estimates how much a monthly Systematic Investment Plan (SIP) could grow to over time, based on your monthly investment amount, an expected annual rate of return, and the investment duration.

How to use it

Enter the amount you intend to invest each month, your expected annual rate of return, and how many months you plan to invest, then click Calculate to see the estimated future value and total invested amount.
  1. Enter the amount you plan to invest each month.|Enter the expected annual rate of return as a percentage.|Enter the investment duration in months.|Click Calculate to see the estimated future value and total amount invested.

Example

Example: investing 5,000 per month at an expected 12% annual return for 60 months (5 years) gives an estimated future value of roughly 412,000, against a total invested amount of 300,000.

How it works

Future value is calculated using the standard SIP formula: FV = P x [((1 + i)^n - 1) / i] x (1 + i), where P is the monthly investment, i is the monthly rate of return (annual rate / 12 / 100), and n is the number of months. Total invested = P x n. This is the standard formula used to estimate SIP growth assuming a constant periodic return.

Common use cases

Planning how much to invest monthly to reach a savings goal.|Comparing estimated outcomes at different expected return rates.|Understanding the potential impact of investment duration on SIP growth.|Getting a rough idea of SIP growth before consulting a financial advisor.

Benefits

Free, instant, and helps visualize the potential effect of compounding on regular monthly investments.

Limitations

This calculator assumes a constant monthly investment and a constant expected rate of return, which real investments (such as mutual funds) do not guarantee -- actual market-linked returns fluctuate and are never assured. This is an estimate for planning purposes only, not a projection of guaranteed returns, and is not financial or investment advice.

Privacy & your data

All calculations run locally in your browser using JavaScript. Your investment amount, expected rate, and duration are not sent to or stored on the A2Z Tools server.

Frequently asked questions

Are SIP returns guaranteed to match this estimate?
No. This calculator assumes a constant expected rate of return, but actual mutual fund or market-linked returns fluctuate and are never guaranteed -- treat the result as an illustrative estimate, not a promise.
Is this financial advice?
No. This tool is for planning and educational purposes only and is not financial or investment advice; consult a qualified financial advisor before making investment decisions.
What does the total invested amount represent?
It's simply your monthly investment multiplied by the number of months, i.e. the total money you put in, before any returns.
Is my data stored anywhere?
No. All calculations happen locally in your browser; nothing is sent to or stored on the A2Z Tools server.

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