Free SIP Return Calculator
Estimate Your Investment Growth with Systematic Investment Plans
The SIP Return Calculator helps investors understand how their systematic monthly investments grow over time. By entering the investment amount, duration, and expected annual return rate, you can quickly calculate the future value of your SIP. This tool is ideal for beginners and experienced investors looking to plan for long-term goals such as retirement, education, or wealth creation. Regular use allows tracking progress, adjusting investment strategies, and comparing different SIP plans. Understanding the power of compounding and consistent investing empowers you to make informed financial decisions, stay on track with your goals, and build wealth efficiently.
SIP Return Calculator
Estimate the future value of your Systematic Investment Plan.
Calculation Results
Future Value
₹0.00
Total Invested
₹0.00
Estimated Returns
₹0.00
SIP Return Calculator Guide
The Formula We Use
Total Invested = Monthly SIP × Number of MonthsAbsolute Return % = (Current Value - Total Invested) ÷ Total Invested × 100%Annualized Return (XIRR) = IRR of dated cash flows, annualized(negative cash flows for each SIP date, positive at valuation date)Future Value (constant rate, monthly compounding) = P × [((1 + r)^n - 1) ÷ r]whereP= monthly SIP,r= monthly rate,n= months
Example Calculation
- Total Invested = 500 × 24 = $12,000
- Absolute Return % = (13,200 - 12,000) ÷ 12,000 × 100% = 10%
- Annualized Return (XIRR) requires exact dates. With regular monthly dates over 24 months and final value 13,200 today, XIRR will be slightly higher than 10% because money was invested gradually.
How to Use This Calculator
- Enter monthly SIP amount, number of months, and current portfolio value.
- For annualized return, provide the exact SIP dates and the valuation date to compute XIRR.
- Review Total Invested, Absolute Return %, and Annualized Return (XIRR).
- Use the constant rate FV formula only for scenario testing when you assume a steady monthly rate.
Tips for SIP Returns
- XIRR is best: It accounts for the timing of each SIP installment.
- Stay consistent: Regular SIPs benefit from rupee cost averaging.
- Compare funds: Use XIRR and volatility metrics together.
- Costs matter: Expense ratios and exit loads reduce realized returns.
This is educational content, not financial advice.
Benefits of Using SIP Return Calculator
Accurate SIP Returns
Calculate expected returns from your systematic investments precisely.
Flexible Time Periods
Compute returns for monthly, quarterly, or custom investment durations.
Investment Growth Insight
See how your small regular investments grow into substantial amounts over time.
Beginner-Friendly
Simple interface suitable for first-time investors to understand compounding benefits.
Mobile Responsive
Access the calculator from any device for convenience on the go.
Data Privacy
All calculations are done locally; your data is never stored or shared.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds.
Why use a SIP calculator?
It helps estimate potential returns and plan investments effectively.
Can I calculate for any time duration?
Yes, you can calculate monthly, yearly, or custom durations.
Does it consider compounding?
Yes, compounding is automatically calculated for accurate results.
Is it beginner-friendly?
Yes, designed for both beginners and experienced investors to use easily.
Is my data secure?
All inputs remain in your browser; nothing is stored online.