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Utilnivo

SIP Calculator

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Estimate returns from systematic investment plans.

  • 100% Free
  • No signup
  • Private & secure
  • Instant results
  • On your device

Private on your device

Your information stays on your device and is not uploaded.

Related tools

Enter monthly investment amount, expected annual return, and investment period in years or months to estimate maturity amount, total invested, and projected returns, with an invested versus returns breakdown.

How to use this tool

Enter your monthly investment amount, expected annual return (%), optional annual fee %, and investment period in years or months. Review the projected maturity value, total invested, estimated returns, and fee drag.

Worked example

Example: investing $500/month at an expected 10% annual return for 15 years projects a maturity value of about $207,000, with $90,000 invested and roughly $117,000 in estimated returns. A 1% fee reduces that maturity amount.

How it works

The SIP calculator estimates the future value of fixed monthly investments using the standard systematic investment plan formula. It converts the expected annual return to a monthly rate and the investment period into monthly contributions, then projects maturity amount, total invested, and estimated returns. An optional annual fee % reduces the net return to illustrate fee drag. Market volatility and taxes are not included.

Limitations

SIP projections use steady returns and regular contributions. Actual mutual fund returns vary and are not guaranteed.

Privacy and file handling

Your data stays on your device and is not uploaded.

Accuracy & methodology

This section documents how the calculator works, what it leaves out, and when results were last reviewed. Figures are educational estimates—not professional advice—and are not labeled "current" unless tied to automatically updated reference data.

Formula source or methodology
Systematic investment plan future value: compound growth on initial corpus plus monthly SIP installments.
Jurisdiction
India / mutual-fund SIP convention (educational)
Unit system
INR or entered currency; percent; years
Rounding method
Currency amounts round to two decimal places (half up via Math.round × 100 / 100).
Assumptions
  • Fixed expected return
  • Monthly SIP at month end
Known omissions
  • Not tax, legal, investment, or lending advice. Confirm material decisions with qualified professionals.
  • Exit load, expense ratio, and tax on capital gains
  • Step-up SIP and market volatility
Test cases (automated)
  • Monthly SIP with positive return projects growth
Version & last verified

Logic version 1.0. Content and formulas last verified .

Important notice

Results are estimates for educational purposes and are not financial advice. Assumed returns are not guaranteed. Consult a qualified financial professional for personal guidance.

FAQ

Frequently asked questions

What is a SIP?

SIP stands for Systematic Investment Plan. It is a way to invest a fixed amount at regular intervals, typically monthly, into mutual funds or similar investments.

How are SIP returns calculated?

The calculator uses the standard SIP future-value formula based on monthly investment, expected monthly return rate, and number of contributions over the investment period.

Are returns guaranteed?

No. Results are estimates based on a constant expected return. Actual market returns vary, and fees or taxes are not included.

Related pages

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