SIP Calculator - Free Mutual Fund Return Calculator

💰 100% Free · Instant · No Signup

SIP & Mutual Fund Calculator
Plan Your Wealth, Grow Your Future

The smart SIP calculator by Azo Mart Tools — calculate monthly SIP maturity, lumpsum returns, and total wealth growth with an interactive chart and year-wise breakdown.

Quick Presets (Return Rate)
₹500₹1,00,000
1 Yr40 Yrs
1%30%
Maturity Amount
₹0
Enter details and click Calculate
Invested
₹0
Est. Returns
₹0
Investment Breakdown
Invested Returns
Wealth Split

Year-wise Growth

100% Private
Instant Result
Visual Charts
Unlimited Free

Why Use Azo Mart SIP Calculator?

Plan smarter, invest better.

Accurate Math

Uses the standard SIP compound formula — same as banks and AMCs.

Interactive Charts

Visual breakdown of invested amount vs returns with a donut chart.

Step-Up SIP

Increase SIP yearly by 10% to grow your wealth faster.

Year-wise Table

See exactly how much you invest vs earn each year.

Lumpsum Mode

One-time investment calculator with compounding.

100% Private

All calculations in your browser. No data is sent anywhere.

How to Calculate SIP Returns — 3 Easy Steps

Plan your wealth in seconds.

1

Enter Details

Set monthly amount, duration and expected return rate.

2

Click Calculate

Instantly see maturity amount, returns and breakdown chart.

3

Plan Your Goal

Adjust sliders to hit your target corpus — retirement, house, or education.

Frequently Asked Questions

Common questions about SIP and mutual funds.

What is a SIP calculator?

A SIP calculator estimates the future value of your monthly mutual fund investments based on the expected annual return rate and investment duration. It uses compound interest to project your maturity amount.

How does SIP compounding work?

Each SIP installment earns returns for the remaining duration. Earlier installments earn more than later ones. The total maturity is the sum of future values of all installments, which is more than simple compounding on the total invested amount.

What return rate should I assume for mutual funds?

Historical equity mutual funds in India have delivered 12-15% CAGR over long periods. Debt funds deliver 6-8%, hybrid funds 9-11%. Past returns do not guarantee future results — always use conservative estimates for planning.

Is this SIP calculator accurate?

The mathematical formula is accurate for the assumed constant return rate. Actual mutual fund returns vary year to year based on market conditions. Use this calculator as an estimate, not a guarantee.

What is the difference between SIP and lumpsum?

SIP is a fixed amount invested every month, averaging out market volatility (rupee cost averaging). Lumpsum is a one-time investment. This calculator supports both modes.

What is step-up SIP?

Step-up SIP means increasing your monthly SIP amount every year, typically by 10%. This helps your investment grow with your income and dramatically increases the final corpus.

Are mutual fund returns guaranteed?

No. Mutual fund returns are subject to market risks. Past performance does not guarantee future returns. This calculator provides an estimate only. Please read all scheme-related documents carefully before investing.

Azo Mart Tools

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⚠️ Disclaimer: This calculator provides estimates only. Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. Please read all scheme-related documents carefully before investing.

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