SIP / Investment Calculator
Project mutual-fund SIP growth.
SIP / Investment Calculator at a glance
SIP / Investment Calculator is a free online calculator you can use right now to project mutual-fund SIP growth โ no account, no install and no usage limit. It runs entirely inside your browser, so whatever you enter stays on your own device.
- Price
- Free โ no trial, no paid tier, no watermark
- Sign-up
- Not required
- Where it runs
- In your browser โ nothing is uploaded to a server
- Works on
- Chrome, Safari, Firefox and Edge โ desktop, tablet and phone
- Category
- Calculators
About SIP / Investment Calculator
Enter a monthly contribution, an expected annual return and a time period to project what a systematic investment plan could grow to, split between what you contributed and what growth added.
The split between those two figures is the most instructive output. Over short periods, contributions dominate and growth is a small addition. Over long periods the relationship inverts, and growth can exceed everything you put in. Seeing where that crossover happens explains compound growth better than any description of it.
This is also why time in the market matters more than the amount invested. Starting ten years earlier with a smaller monthly amount frequently beats starting later with a larger one, because every year of growth compounds on all previous growth. Change the duration rather than the contribution in the projection and watch which moves the final figure more โ the difference is usually striking.
An important caveat: the expected return is an assumption, not a forecast. Real markets do not deliver a smooth annual percentage โ they rise and fall, and sequence matters, particularly for money you may need at a specific time. Projections also ignore fund fees, which compound against you exactly as returns compound for you, and inflation, which means a future sum buys less than the same sum today. Treat the output as illustrating the shape of compound growth rather than predicting a balance.
How to use SIP / Investment Calculator
- Enter your monthly investment amount.
- Set an expected annual return and the number of years.
- Compare total contributions against projected growth, and vary the duration to see its effect.
Frequently asked questions
How reliable is the projected figure?
It is an illustration, not a forecast. It assumes a constant annual return, which no real market delivers, and ignores fees and inflation. Use it to understand how compounding behaves rather than to predict a balance.
Why does starting earlier matter so much?
Because each year's growth compounds on all previous growth. Ten extra years at a smaller monthly amount frequently beats a larger amount started later โ duration usually moves the final figure more than contribution size.
Are fees included?
No. Fund management fees compound against you just as returns compound for you, and over decades even a small annual percentage makes a substantial difference. Subtract your fund's expense ratio from your expected return for a more realistic projection.
Does this account for inflation?
No โ figures are nominal. A projected sum decades out will buy considerably less than the same amount today. To think in today's money, use a real return: your expected return minus expected inflation.