What is Online SIP Calculator?
Online SIP Calculator is a free toolkit for Indian savers who want quick, honest numbers before they commit money. The SIP widget on this page is the fastest way to sketch a monthly mutual fund plan—total invested, estimated gains, and maturity value—without signing up or downloading an app.
We built the site around one idea: most people do not need another generic article; they need a calculator that respects compounding math and shows its working. You get the SIP tool here on the homepage, plus a full directory of EMI, tax, deposit, and retirement calculators when your question shifts.
This page is your starting point. When you want the full SIP guide—formula breakdown, fee leakage, and a longer FAQ—open the dedicated SIP calculator page. Same engine, deeper reference material.
Run a SIP projection in under a minute
Enter a monthly amount in rupees, an expected annual return, and tenure in years. Sliders and number fields stay in sync so you can stress-test 8%, 10%, or 12% without retyping everything.
At a ₹5,000 monthly SIP over 10 years at 12% p.a., you would invest the total amount you invest in total; at that steady return the tool estimates about an illustrative maturity total with roughly estimated gains in gains (not guaranteed). Those placeholders update from your live inputs—try ₹3,000 for 15 years at 10% and watch the chart move.
Results assume geometric monthly compounding (not annual rate ÷ 12). For the step-by-step math and a worked ₹5,000 example, see the SIP calculator article section.
When to use another calculator on this site
SIPs solve recurring investing. Other goals need different tools. Use the lumpsum calculator for a one-time mutual fund deposit, the step-up SIP calculator when your monthly amount rises each year, or the EMI calculator when you are balancing loan payments against investments.
Fixed-income and tax questions have their own pages—FD, PPF, income tax, and more—listed in the popular grid below and in the full calculators directory. Pick the tool that matches the decision in front of you; do not force every problem into a SIP template.
Three checks before you rely on any projection
Subtract the fund expense ratio from your expected return. A 13% headline CAGR with a 1.2% expense ratio is closer to 11.8% in your pocket.
Inflation eats the rupees you withdraw decades later. Pair a SIP target with the inflation calculator if you are planning a real-world spending goal.
Markets move in sequences, not straight lines. A flat 12% assumption is a planning shortcut, not a forecast. We keep return inputs editable so you can model conservative and optimistic cases side by side.
FAQ
What expected return should I enter for an equity SIP?
Use a net figure after expense ratio, not a fund’s best historical year. Many planners model 10–12% for long-term equity SIPs, then rerun the calculator at 8% to see a conservative case. Market returns swing year to year; the rate you enter is an assumption for planning, not a promise.
Do I need an account to use these calculators?
No. All tools on Online SIP Calculator run in your browser with illustrative outputs only. Nothing you enter is stored on our servers.
Where do I find EMI, tax, or FD calculators?
Scroll to Popular calculators on this page for quick links to common tools, or open the complete list at /calculators/.
Can I share a link with my SIP inputs?
Many calculator pages update the URL as you change inputs so you can bookmark or share a scenario. If the address bar changes when you move a slider, that link preserves your settings.