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SIP Calculator

100% Client-Side • Zero Server Storage • Private & Free Forever
Updated for October 2026: Equity SIP CAGR (12.0%–14.5%) • Debt SIPs (7.0%–7.5%) • RBI Repo 5.50% • Fed Funds 3.75%–4.00%

SIP Calculator (Mutual Funds)

Forecast your mutual fund systematic investment wealth generation with compound growth projections.

Wealth Builder
$
Quick:
$5,000
$100 $100000
%
Presets:
12 %
1 %30 %
Years
Tenure:
10 Yrs
1 Yrs40 Yrs

Maturity Breakdown

Total Expected Maturity Value
$1,161,695
Total Invested Capital
$600,000
Estimated Wealth Gained
$561,695
Wealth MultiplierGrowth
1.94x
Inflation-Adjusted Purchasing Power
$680,092

Real value at ~5.5% annual inflation over 10 years

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Private & Secure: 100% computed in browser. Zero data or files sent to servers.
Expected Maturity$1,161,695Gains: $561,695

Direct Answer: A Systematic Investment Plan (SIP) calculator computes the future corpus of recurring monthly investments based on estimated annual return rates.

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About SIP Calculator

A Systematic Investment Plan (SIP) is one of the most effective strategies for long-term wealth accumulation, enabling investors to benefit from rupee-cost averaging and compounding interest. ConvertSheet's SIP Calculator lets you project your portfolio's growth over 1 to 40 years, breaking down your total contributions versus your compounding capital gains.

Formula & Computation Model
Exact Computation
M = P × ({[1 + i]^n - 1} / i) × (1 + i)
Variable Definitions:
P is monthly investmenti is monthly return rate (r/12/100)and n is total months.
Step-by-Step Guide

How to Convert SIP Calculator to Result Online in 3 Simple Steps

Convert your data effortlessly with zero installations and complete local privacy.

  1. 1Step 1:

    Monthly Investment

    Enter the amount you plan to invest every month (e.g., ₹5,000 or $500).

  2. 2Step 2:

    Expected Return Rate

    Set your projected annual return percentage (typically 12% to 15% for equity funds).

  3. 3Step 3:

    Investment Horizon

    Specify how many years you intend to keep investing.

Help & Documentation

Frequently Asked Questions: SIP Calculator

Answers to common questions regarding inputs, calculations, and mathematical methodology.

What is the 15x15x15 rule in mutual funds?

Investing ₹15,000 per month for 15 years at an expected return of 15% historically accumulates approximately ₹1 Crore (₹10 Million).

Are SIP returns guaranteed?

No, mutual fund investments are subject to market volatility. The calculator provides mathematical projections based on historical compound growth.

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