SIP Calculator
Estimate the future value of your systematic investment plan (SIP) and visualize the power of compounding.
Investment Parameters
Adjust the sliders to see instant results.
Amount you plan to invest every month.
Annual expected return from your mutual fund.
Number of years you plan to keep investing.
Wealth Growth Simulator
Visualizing your invested amount versus total accumulated value.
Total Value
Estimated wealth after 10 years
Invested
₹6,00,000
Est. Returns
+₹5,61,695
Investment vs Returns
Yearly Breakdown
| Year | Invested Amount | Returns Earned | Total Value |
|---|---|---|---|
| 1 | ₹60,000 | +₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | +₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | +₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | +₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | +₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | +₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | +₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | +₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | +₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | +₹5,61,695 | ₹11,61,695 |
Planning for your future? Our SIP calculator helps you estimate the returns on your mutual fund investments. Visualize your wealth creation over time with interactive charts.
What is SIP?
SIP stands for Systematic Investment Plan. It is a method of investing a fixed sum regularly in a mutual fund scheme. SIP allows you to buy units on a given date each month, helping you benefit from Rupee Cost Averaging and the power of compounding over long periods.
Why Use Utilo's SIP Calculator?
- ✓Instant, real-time SIP return calculations
- ✓Visual Donut Chart for Invested vs Returns breakdown
- ✓Growth Line Chart to see your wealth compound over time
- ✓Yearly Investment Breakdown Table
- ✓Fast presets for common monthly investment amounts and return rates
- ✓Mobile-friendly and easy to use
Key Features
How to Calculate Your SIP Returns
- 1Enter your Monthly Investment Amount using the slider or text box.
- 2Set your Expected Return Rate (usually 10-15% for equity funds).
- 3Choose your Investment Duration in years.
- 4Your Total Invested Amount, Estimated Returns, and Total Value will update instantly.
- 5Scroll down to view detailed growth charts and your yearly breakdown schedule.
Formula & Calculation Logic
FV = P × [((1 + r)^n – 1) / r] × (1 + r) Where: FV = Future Value or Total Wealth P = Monthly Investment Amount r = Expected Monthly Return Rate (Annual Rate / 12 / 100) n = Total number of months (Years × 12)
About This Tool
The power of compounding is what makes SIPs incredibly effective. By reinvesting the returns generated by your mutual funds, your wealth grows exponentially over time. Even a small monthly investment, when continued for 15-20 years, can build a massive corpus. For example, investing ₹5,000 monthly at an expected 12% return for 20 years yields a total invested amount of ₹12,00,000, but the total accumulated value grows to nearly ₹50,00,000.
Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
SIP is an investment strategy where you invest a fixed amount regularly (usually monthly) in a mutual fund, rather than making a lump sum investment.
Is SIP safe?
SIPs in equity mutual funds are subject to market risks, but they are generally safer than direct stock market investing due to professional management and Rupee Cost Averaging.
What return can I expect from a SIP?
Returns depend on the type of fund. Historically, equity mutual funds in India have delivered around 10-15% average annual returns over periods of 10+ years.
Can I stop my SIP anytime?
Yes, most SIPs are completely flexible. You can pause, stop, or increase your SIP amount at any time without any penalties.
Is SIP better than FD (Fixed Deposit)?
For long-term wealth creation (5+ years), SIPs in equity funds generally offer much higher returns than FDs, helping beat inflation. FDs offer guaranteed but lower returns.
Can I withdraw my money from SIP anytime?
Yes, unless you invest in ELSS (Tax Saving) funds which have a 3-year lock-in, you can redeem your open-ended mutual fund units anytime.