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SIP Calculator

Calculate your mutual fund SIP returns and plan your investments

Investment Details

SIP Results

Total Value
₹23,23,391
48%Returns
Invested
Returns
Total Invested₹12,00,000
Estimated Returns₹11,23,391
Total Value₹23,23,391
YearInvestedReturnsTotal Value

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How SIP Calculation Works

SIP (Systematic Investment Plan) allows you to invest a fixed amount at regular intervals in mutual funds. The power of compounding makes even small monthly investments grow significantly over time.

SIP Formula

FV = P × ({[1 + i]n - 1} / i) × (1 + i)

Where:
P = Monthly investment amount
i = Monthly rate of return (annual rate / 12 / 100)
n = Total number of months

Benefits of SIP Investing

Frequently Asked Questions

What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It leverages rupee cost averaging and the power of compounding to build wealth over time. You can start with as little as ₹500 per month.
What is a good SIP return rate?
Historically, equity mutual funds in India have delivered 12-15% CAGR over long periods (10+ years). Debt funds typically return 6-8%. However, past performance does not guarantee future returns.
Can I withdraw SIP anytime?
Open-ended mutual fund SIPs can be withdrawn anytime, but ELSS (tax-saving) funds have a 3-year lock-in period. Early withdrawal may also have exit loads depending on the fund scheme.
Is SIP better than lump sum?
SIP is generally better for volatile markets as it averages out the purchase cost. Lump sum can be better in a consistently rising market. SIP also promotes disciplined investing habits.

What is a SIP calculator?

A SIP calculator projects the maturity value of a monthly mutual-fund investment using M = P × ((1+i)n − 1) ÷ i × (1+i), where P is the monthly amount, i the monthly return and n the number of instalments.

It separates what you invested from what the market added, so you can see the compounding effect of a Systematic Investment Plan over 5, 10 or 25 years. Returns are assumptions, not guarantees — mutual funds carry market risk.

SIP Calculator: key facts

Reference facts for the SnoopTool SIP Calculator, a free browser-based tool.
FormulaM = P × ((1+i)ⁿ − 1) ÷ i × (1+i)
i (monthly rate)Expected annual return ÷ 12 ÷ 100
nNumber of monthly instalments (years × 12)
Typical equity assumption10–12% per annum long-term, used for illustration only
CostFree, no KYC, no account needed

Why use the SnoopTool SIP Calculator?

How to use the SIP Calculator (step by step)

  1. Enter the monthly investment. Type the amount you will invest each month.
  2. Set the expected return. Enter a realistic annual return, e.g. 12 for 12% p.a.
  3. Choose the time period. Set the number of years you will keep investing.
  4. Review the projection. Read invested amount, estimated returns and total maturity value.

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