Enter SIP details to see future wealth…
The SIP Calculator projects future value of monthly investments using compound growth. Shows total invested, wealth gained, and inflation-adjusted value. Covers USA, UK, Canada, Australia, India. Avg returns 2025: Equity 12%, Balanced 9%, Debt 7%.
A Systematic Investment Plan (SIP) Calculator is a free, powerful tool that estimates the future value of your mutual fund investments made through regular contributions. Whether you’re saving for retirement, a child’s education, or a dream home, this calculator helps you plan by projecting potential returns based on your monthly investment, tenure, and expected rate of return. Investing regularly is one of the smartest ways to grow your wealth steadily — and that’s where a Systematic Investment Plan (SIP) comes in. The SIP Calculator on GCalculate.com helps you easily estimate your returns, calculate maturity value, and plan your monthly investments to achieve your financial goals.
A SIP Calculator is an online tool that computes the future value of Systematic Investment Plan (SIP) investments in mutual funds. SIPs allow you to invest a fixed amount (e.g., $100/month) at regular intervals (weekly, monthly, or quarterly), leveraging compounding and rupee-cost averaging to grow wealth over time. The calculator uses the formula:
Where:
FV: Future Value (maturity amount).
P: Monthly investment amount.
r: Monthly rate of return (annual rate ÷ 12).
n: Number of months.
For example, investing $100 monthly for 10 years at a 12% annual return yields ~$22,750, per Groww’s methodology. The calculator accounts for compounding but not exit loads or expense ratios, offering an estimate, not a guarantee, as markets fluctuate.
A SIP Calculator (Systematic Investment Plan Calculator) is a smart online tool that helps investors estimate the future value of their SIP investments in mutual funds.
With just three inputs —
Monthly investment amount
Expected rate of return
Investment duration —
you can instantly see how much your investments will be worth in the future.
It also breaks down your total invested amount vs. total earnings, making financial planning simple and transparent.
Suppose you invest $200 per month in a mutual fund with an expected annual return of 12% for 10 years.
Using the SIP formula:
Your total investment = $24,000
Future value = ≈ $41,600
So, your investment grows by $17,600 in profits — thanks to the power of compounding.
You can adjust your monthly amount, rate, or duration in the GCalculate SIP Calculator to see how different combinations affect your returns.
The SIP Calculator is a free, essential tool for investors worldwide aiming to build wealth through mutual funds in 2025. By estimating returns in $ (or equivalent), it simplifies planning for retirement, education, or other goals. With its user-friendly design, instant results, and scenario analysis, it empowers disciplined investing without manual calculations.
A SIP Calculator helps investors estimate the future value of their systematic investments based on monthly contribution, rate of return, and duration.
It uses the compound interest formula to project how your monthly investments grow over time, factoring in interest and compounding frequency.
For best results, invest for at least 5–10 years to maximize compounding and ride out market fluctuations.
SIPs are generally better for regular investors because they reduce market timing risk and encourage disciplined saving.
That depends on your financial goals. Use the SIP Calculator to determine how much you need to invest each month to reach your target corpus.