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Free Online SIP & Mutual Fund Calculator
A Systematic Investment Plan (SIP) is one of the most effective ways to build long-term wealth. By investing a fixed amount in mutual funds every month, you benefit from Rupee Cost Averaging and the immense power of compounding. Our Free SIP Return Calculator helps you project exactly how much your monthly investments could be worth in the future.
Frequently Asked Questions (FAQ)
How does the SIP calculator work?
This calculator uses the standard compound interest formula customized for monthly contributions. It assumes that your investment is made at the beginning of every month. The formula accounts for your monthly investment amount, the expected annual rate of return, and the total duration of your investment.
What is a realistic expected return rate?
While mutual fund returns are never guaranteed and depend entirely on market performance, historically, broad equity mutual funds (like Nifty 50 Index Funds) in India have delivered average annualized returns of roughly 10% to 12% over the long term (10+ years).
Why is my wealth gained higher than my invested amount?
That is the magic of compounding! In the later years of your investment, you begin earning interest not only on the money you deposited but also on the interest you've already accumulated. The longer you stay invested, the more dramatic this compounding effect becomes.