SIP Calculator

A SIP calculator will calculate the wealth gain and expected returns for your monthly SIP investment in mutual funds. The tool helps you get a rough estimate on the maturity amount for any of your monthly SIP, based on a projected annual return rate.

  • Invested Amount


  • Wealth Gained


  • Expected Amount


Choose from our top performing funds to start investment

ICICI Pru Smallcap Fund (G)

  • Equity - Small Cap Fund
  • Very High
  • 3
  • 20.93% 1 Year
  • 25.58% 3 Year
  • 13.18% 5 Year
  • 3,619 Cr AUM (₹)

Nippon India Multi Cap Fund (G)

  • Equity - Multi Cap Fund
  • Very High
  • 0
  • 17.12% 1 Year
  • 12.91% 3 Year
  • 10.47% 5 Year
  • 12,105 Cr AUM (₹)

Tata Small Cap Fund - Regular (G)

  • Equity - Small Cap Fund
  • Very High
  • 3
  • 18.05% 1 Year
  • 25.38% 3 Year
  • 0.00% 5 Year
  • 2,092 Cr AUM (₹)

Quant Mid Cap Fund (G)

  • Equity - Mid Cap Fund
  • Very High
  • 5
  • 16.70% 1 Year
  • 30.47% 3 Year
  • 18.36% 5 Year
  • 459 Cr AUM (₹)

Nippon India Small Cap Fund (G)

  • Equity - Small Cap Fund
  • Very High
  • 4
  • 18.90% 1 Year
  • 26.69% 3 Year
  • 16.16% 5 Year
  • 19,768 Cr AUM (₹)

A systematic investment plan (SIP) is a preferred route of investment amongst Indian Mutual Fund investors, wherein an individual can periodically invest small amounts in a Mutual Fund Scheme instead of investing a lump-sum amount. This mode works well for long-term investments and helps in better management of risks.

A majority of investors prefer lumpsum investments. They involve fewer variables and yield high returns. There are many mutual fund calculator services available online that can help you estimate the return on your investments.

A mutual fund calculator is a tool used to estimate the maturity value of mutual fund investment, even before investing the money. There are two types of mutual fund calculators based on the type of investment- SIP calculator and Lumpsum SIP calculator

SIP calculator is a practical financial tool used to calculate the returns on periodic investments made in a mutual fund scheme. Whereas, SIP lumpsum calculator helps to gauge an estimate of returns on a single lumpsum investment. These calculators both serve the ultimate goal of helping an individual budget their expenses and achieve long-term financial goals. 

A SIP return calculator is used to calculate a rough estimate of the maturity amount, based on the projected annual return rate. However, the actual returns obtained vary from scheme to scheme and are governed by various factors such as the exit load and expense ratio, which is not considered by the SIP calculator. This calculator will only calculate the potential wealth gain on monthly SIP investments. 

5paisa SIP calculator is a simple tool used to estimate the returns for SIP investment. This tool is user-friendly, as one only needs to input the following credentials - The amount an individual wishes to enter, the duration of the investment, and the expected return rate. Once, the values are added to the specified sections of the calculator, the SIP calculator will automatically calculate and estimate the returns. 

SIP calculators calculate the returns as per compound interest. The SIP calculator will require answers to the following questions and based on the tentative answers received, the estimate is calculated:


  • 01

    Amount per investment.

  • 02

    Period of investment

  • 03

    Expected return rate

The formula on which the SIP calculator is based is:

M = P × ({[1 + i]n – 1} / i) × (1 + i)


  • M

    amount received upon maturity

  • P

    amount invested periodically.

  • n

    number of payments made

  • i

    monthly periodic rate of interest.

The maturity amount for an investment of Rs. 1,000 per month for a year at a monthly periodic rate of interest can be calculated as:

M= 1000× ([ 1+ 0.001]12- 1/0.01)× (1+ 0.01)


The rate of interest on SIP is based on market conditions, hence keeps on varying. 


Some of the advantages of using a SIP calculator are as follows:

1. Helps decide the amount to be invested

2. Gives an estimation of returns

3. Accurate and saves time as compared to manual calculation

4. Help in determining the saving portfolio to serve financial needs

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