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  • ₹1
  • ₹1 Cr
  • 1 Year
  • 50 Years
  • 1%
  • 100%

Please note, these calculators are designed to provide you an approximate amount. Consult an advisor/tax consultant prior to investing.

Total amount invested




Total wealth accumulated


You will have to invest 1,015 per month to achieve your goal.

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Do you plan to invest in Mutual Funds (MFs) but are worried about profits? The SIP calculator can help you calculate your earnings on investment. Nowadays, multiple financial institutions provide an investment option to invest in MFs via Systematic Investment Plans (SIPs). If you have plans to invest, then the first thing you should know is the total investment amount you will get after the tenure. And for this, you can use this online calculator.

Benefits of the SIP Calculator

An investor can get multiple benefits from investing in SIP over the long term. Here is a list of advantages you can get if you invest in that platform.

  1. Easy to use

  2. As the name suggests, using the SIP return calculator is effortless. If you can fill in the details accurately, you will get the value of your investment in a few seconds. After that, you can change the values entered and find a suitable plan.

  3. Customisation options

  4. The SIP calculators allow you to use multiple values to find suitable figures. Moreover, you can mix and match as often as you like to find the plan that suits your needs.

  5. Free of cost

  6. The best benefit is that you can access the SIP calculator online for free and without any registration. SIP calculations can be calculated from anywhere using this financial tool.

How does the SIP calculator work?

The SIP calculator works on the following formula

M = P × ({[1 + i]^n – 1} / i) × (1 + i).

In the above formula –

  • M is the maturity amount
  • P is the amount invested regularly
  • n is the number of payments made
  • i is the interest rate

For example, If Rs 10,000 per month is invested for 5 years at 10%, an investor will receive Rs 7,80,824 on maturity.

Final words

Using these online calculators is always beneficial to create the most successful SIP to increase wealth. It will help you to find the plan details, total investment amount and total return amount. Based on these details, you can then make an informed decision.

SIP Calculator FAQs

What is Mutual Fund and how it works?

A mutual fund is a professionally-managed trust that pools the savings of many investors and invests them in securities like stocks, bonds, short-term money market instruments. Investors in a mutual fund have a common financial goal and their money is invested in different asset classes in accordance with the fund’s investment objective. Any investment in such a financial instrument is termed mutual fund investment. Knowledge about a mutual fund scheme can be obtained from its Scheme Information Document (SID) and Fund Fact Sheet.

What is the process to invest in a Mutual Fund through ICICI Bank?

You can invest in Mutual Funds by logging in to ICICI Bank Internet Banking. Click on the ‘Investments and Insurance’ section > Invest online > Invest in Mutual Funds.

Alternatively, you can invest in MF through ICICI Bank’s iMobile Pay > click on the ‘Invest & Insure’ section > Invest > Mutual Funds.

Is Mutual Fund a good investment?

Mutual Funds are a good investment option for investors looking to diversify their portfolios. Instead of taking exposure to only one company or industry, a Mutual Fund investor invests in different securities and minimises your portfolio's risk.

How are returns earned in Mutual Funds?

Mutual Fund returns are calculated by computing appreciation in the value of your investments over a period as compared to the initial investment. The Net Asset Value of Mutual Fund indicates its price and is used in calculating returns for your Mutual Fund investments.

Are Mutual Funds taxable?

Yes, please refer the below table for details:

Fund Type

Short-term capital gains

Long-term capital gains

Equity Funds


Up to Rs 1 lakh in a financial year is tax-exempt. Any gains above Rs 1 lakh are taxed at 10% +cess+surcharge

Debt Funds

Taxed at the investor’s income tax slab rate

20% with indexation+cess+surcharge

Hybrid equity-oriented funds


Up to Rs 1 lakh in a financial year is tax-exempt. Any gains above Rs 1 lakh are taxed at 10% +cess+surcharge

Hybrid debt-oriented funds

Taxed at the investor’s income tax slab rate

20% with indexation+cess+surcharge

Dividend Taxation: The normal rate of TDS is 10% on the dividend income paid in excess of Rs 5,000 from a company or Mutual Fund firms. For Non-Resident Individuals, TDS is required to be deducted at the rate of 20% subject to the DTAA (Double Taxation Avoidance Agreement), if any.

What is the best way to choose a Mutual Fund that suits your financial objective?

Selecting a Mutual Fund is a two-step process – selection of the Mutual Fund category and selection of a scheme in that category.

Select the Mutual Fund category on the basis of the investment objective, time horizon and risk tolerance.

After selecting the Mutual Fund category, choose a Mutual Fund scheme within that category on the basis of its relative performance vs benchmark & its category and consistency of performance. The other important aspect in the scheme selection process is the AMC track record, fund manager’s experience, scheme’s Asset Under Management (AUM) & Expense ratio.

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Mutual fund investments are subject to market risks, please read all scheme related documents carefully. ICICI Bank Limited shall not be liable or responsible for any loss or shortfall resulting from the operations of the Mutual Fund scheme. Terms and conditions of ICICI Bank and third parties apply.