All Tools AI Studio

SIP Calculator

Mutual fund SIP returns projection — 100% free, runs in your browser

About the SIP Calculator

A systematic investment plan works through compounding, which means time matters more than the amount. Starting five years earlier usually beats investing more each month later. This projects what a monthly investment could grow to at an assumed rate of return.

How to use it

  1. Enter your monthly investment.
  2. Enter the annual return you expect.
  3. Enter how many years you will invest.
  4. Read the maturity value and how much of it is growth rather than your own money.

Common questions

What return should I assume?

Equity funds have historically averaged 10 to 12 percent over long periods, but any single decade can be very different. Assume lower rather than higher when planning.

Are the returns guaranteed?

No. Market-linked investments can fall, and past performance does not predict future returns. This is a projection, not a promise.

Should I invest monthly or all at once?

Monthly investing averages your purchase price across market highs and lows, which removes the need to time your entry.

Want AI to do this 10x better? ⚡
AI Logo Designer • Marketing Copy • YouTube SEO — 100 free credits on signup
Try AI Studio Free →
PrivacyTermsRefundsDisclaimerContact
© 2026 ToolsGPT