DevHive

SIP Calculator

Calculate SIP returns and maturity amount

$
%
Yrs
$116.2K
Maturity Value
$60.0K
Total Invested
$56.2K
Wealth Gained
Growth Over Time
Yr 1
$6.4K
Yr 3
$21.8K
Yr 5
$41.2K
Yr 7
$66.0K
Yr 9
$97.4K
Yr 10
$116.2K

How to Use SIP Calculator

  1. 1

    Enter your monthly investment amount, expected annual return rate, and investment duration.

  2. 2

    The tool calculates the total value of your investment at maturity.

  3. 3

    Adjust the values to compare different scenarios.

About SIP Calculator

Calculate SIP returns and maturity amount for mutual fund investments. See growth chart with CAGR. Free.

Best Use Cases

  • •Estimating how much a monthly mutual fund SIP will grow over 10 years
  • •Comparing SIP returns at different expected annual return rates
  • •Planning retirement savings by adjusting monthly contribution and duration
  • •Deciding between a higher monthly amount or a longer investment period
  • •Showing a client projected SIP maturity values during financial planning

Examples

Long-term wealth

Enter 5000/month, 12% return, 20 years. See the maturity value and total interest earned.

Goal-based planning

Try different monthly amounts to find what is needed to reach a 50 lakh target in 15 years.

Rate comparison

Keep amount and tenure fixed, change return rate from 10% to 14% to see the growth difference.

Common Mistakes to Avoid

  • !Assuming the expected return rate is guaranteed rather than an estimate
  • !Ignoring the impact of inflation on the maturity amount's real value
  • !Not accounting for exit load or tax on mutual fund redemption

Limitations

  • –Uses a fixed return rate; actual mutual fund returns fluctuate yearly
  • –Does not factor in taxes, exit loads, or expense ratios
  • –Cannot recommend specific mutual fund schemes

Disclaimer

This tool is for informational and educational purposes only. Results are estimates and should not be treated as financial, tax, legal, or investment advice. Always consult a qualified professional before making financial decisions.

Frequently Asked Questions

What is SIP?

SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds monthly, averaging the cost over time.

Is SIP better than lump sum?

SIP is generally better for most investors as it reduces timing risk through rupee cost averaging.