Calculate Your SIP Returns
About SIP Calculator Online
SIPcalculator.net is free online SIP Calculator tool that calculates return on your Systematic Investment Plan (SIP) for a certain amount of period. To get the SIP return for your investment, enter all of the values in the calculator input area and hit the calculate button. This tool not only provides you SIP return value and maturity amount but also high quailty Graphs and Table to better analyse you investments and financial goals.
What is SIP
SIP or Systematic Investment Plan is an investment scheme offered by mutual fund companies in India to retail investor. It allows them to invest a small fixed amount step-by-step over a period of time instead of one time lump sums investment. The SIP strategy claims to lower down the overall investment risk by averaging out the cost of investment and adding the power of compounding to it.
Whether you’re saving for retirement, a dream home, your child’s education, or financial independence, this SIP Calculator gives you clear and accurate projections in just a few seconds.How SIP offered by mutual funds work
SIP offered by mutual fund companies in India requires a pre-determinded amount to be invested in the frequency of weekly, monthly , quaterly or yearly. If decided to invest via SIP on a monthly basis then you are allowed to buy units on a fixed given date each month through post-dated cheques or through ECS ( Electronic Clearing Services ) auto-debit facility. With every amount invested, more units are allocated into the investor's account each month based on the closing Net Asset Value (NAV) of the mutual fund on the date of realisation. Thus the investor gets more units when the NAV is low and less units when the NAV is high. Which results in lower average cost of total units held by the investors through SIP scheme.
SIPs are specially meant for retail investors, who do not have time and resource to follow up the market on daily basis. It's sole purpose is to save the investors from market volatility by leveraging upon the cost averaging. These funds are flexible too. Any investor is free to stop investing in such plan anytime and increase or decrease the monthly investment. Mutual Funds also offers tax benefits plans under ELSS (Equity Linked Savings Schemes) with lock-in period of 3 years.
SIP doesn't yield good return in flat market or market which is constantly rising as the cost of averaging is not realised in such cases.
Top 5 SIP Mutual Funds in India (5-Year Performance)
Based on historical annualised returns over the last 5 years (Direct – Growth Plans)
| # | Mutual Fund Name (Direct – Growth) | Category | 5-Year Annualised Return (%) | Remarks |
|---|---|---|---|---|
| 1 | Quant Small Cap Fund | Small Cap Equity | ~36% – 40% | High growth potential, high risk |
| 2 | Nippon India Small Cap Fund | Small Cap Equity | ~35% – 38% | Consistent small-cap performer |
| 3 | Motilal Oswal Midcap Fund | Mid Cap Equity | ~32% – 35% | Strong mid-cap focused strategy |
| 4 | ICICI Prudential Infrastructure Fund | Thematic (Infrastructure) | ~30% – 32% | Infrastructure sector-driven returns |
| 5 | SBI PSU Fund | Thematic (PSU) | ~26% – 28% | PSU and government-linked stocks |
Read More: Best SIP to invest in 2026
Disclaimer: Mutual fund investments are subject to market risks. Past performance does not guarantee future returns.
Why Use Our SIP Calculator
Our SIP Calculator is designed to be simple, fast, and accurate, making it suitable for both beginners and experienced investors.
Key Benefits:
- ✅ Instant results with precise SIP calculation formula
- ✅ User-friendly interface inspired by modern investment platforms
- ✅ Mobile-friendly & responsive design
- ✅ No login required – completely free to use
- ✅ Accurate projections based on compound interest
Who Should Use This SIP Return Calculator
This SIP Calculator is ideal for:
- New investors starting their mutual fund journey
- Salaried professionals planning monthly investments
- Long-term investors targeting retirement or wealth creation
- Financial planners and advisors
- Anyone who wants to compare SIP returns easily
Unlike manual calculations, our tool eliminates errors and saves you time.
The Power of Compounding in SIP Investments
One of the biggest advantages of investing through a SIP is the power of compounding. When you invest regularly, your returns start earning returns over time. The longer you stay invested, the more exponential your wealth growth becomes. A SIP Calculator helps you visualize this compounding effect clearly, motivating you to stay invested for the long term rather than chasing short-term market movements.
SIP vs Lump Sum Investment – Understanding the Difference
While lump sum investments require a large amount of capital at once, SIPs allow you to invest gradually. SIP investments reduce the risk of market volatility through regular investing across market cycles. By using a SIP Calculator, you can compare different scenarios and understand why SIPs are often preferred for long-term investors, especially in volatile markets.
How SIP Reduces Market Timing Risk
Trying to predict the perfect time to enter the market is extremely difficult, even for experienced investors. SIP investments reduce this risk by spreading your investments over time. When markets are high, you buy fewer units; when markets are low, you buy more units. This averaging effect can be better understood when you analyze long-term projections using a SIP Calculator.
How SIP Helps You Build The Financial Discipline
SIPs encourage disciplined investing by automating monthly contributions. This habit not only builds wealth but also promotes better financial behavior. A SIP Calculator reinforces this discipline by showing how regular investments can turn into meaningful wealth over time.
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