🧠Money Quiziness

🎯 Free SIP Calculator मुफ्त SIP कैलकुलेटर

Calculate your SIP returns instantly — free, accurate, and easy to use. अपने SIP रिटर्न का तुरंत अनुमान लगाएं — मुफ्त, सटीक और आसान।n>करें।

Total Invested कुल निवेशित राशि ₹0
Estimated Returns अनुमानित रिटर्न ₹0
Nominal Maturity Value सांकेतिक परिपक्वता मूल्य Future Value भविष्य मूल्य
₹0
Real Value वास्तविक मूल्य Inflation Adjusted मुद्रास्फीति समायोजित
₹0
sip calculator

How This SIP Calculator Works?

sip calculator

A SIP (Systematic Investment Plan) lets you invest a fixed amount every month in a mutual fund — no need to time the market or invest a large lump sum at once.

This calculator uses the standard SIP formula that mutual fund houses and AMFI use:

M = P × [((1+r)^n − 1) / r] × (1+r)

Where:

  • M = the amount you’ll get at maturity
  • P = the amount you invest every month
  • r = your expected monthly rate of return (annual rate ÷ 12 ÷ 100)
  • n = total number of months you invest

A quick example: If you invest ₹5,000 every month for 10 years at an expected annual return of 12%, this calculator shows you’d invest a total of ₹6,00,000 — and your investment could grow to approximately ₹11,61,695. That’s the power of compounding working in your favour over time.

Just enter your monthly investment amount, expected return, and investment period above, and the calculator instantly shows your total investment, expected returns, and maturity value — completely free, with no login or signup required.

Frequently Asked Questions

Q1: Is this SIP calculator really free to use?

Yes, this SIP calculator is completely free. There’s no signup, no login, and no hidden charges — just enter your numbers and get instant results.

Q2: What is a good monthly SIP amount to start with?

There’s no fixed “right” amount — it depends on your income and goals. Many people start with as little as ₹500–₹1,000 per month and increase it gradually as their income grows.

Q3: What return rate should I use in the calculator?

Equity mutual funds have historically returned around 10–12% annually over the long term, though actual returns vary with market conditions. Use a conservative rate (10-12%) for realistic planning rather than an optimistic one.

Q4: Is SIP better than a lump sum investment?

SIP works well for most people because it doesn’t require timing the market — you invest steadily every month and benefit from rupee cost averaging. Lump sum can work better if you have a large amount ready and markets are at a low point, but this is harder to predict.

Q5: Can I change my SIP amount later?

Yes, most mutual funds let you increase, decrease, pause, or stop your SIP anytime. Many investors use a “step-up SIP” — increasing the amount by 10% each year to match salary growth.

Q6: Does this calculator account for taxes?

No, this calculator shows the raw estimated maturity value based on your inputs. Actual returns are subject to capital gains tax depending on the fund type and holding period.