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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




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


What is an SIP Calculator?

An SIP Calculator is an online tool that allows you to estimate the returns on your Mutual Fund investments, usually before you invest in them through one or more Systematic Investment Plans. It is simply a roadmap to help an investor seamlessly integrate SIP investments in his/her portfolio. However, the actual returns offered by a Mutual Fund scheme varies depending on various factors.

Benefits of the SIP Calculator

  • Easy to use

SIP calculator is very user friendly. It provides an indicative value of your investments instantaneously and allows you to consider different scenarios by changing the input variables such as monthly SIP amount, expected rate of return, tenure, etc. 

  • Helps in deciding the SIP Amount

SIP calculator helps you to make the decision about how much money you need to invest in Mutual Funds via SIP to earn the desired returns.

  • User-Oriented

You can easily estimate your investment needs with our user-friendly SIP Calculator. It is suitable for anyone, is completely free of cost and can be used any number of times.

How does the SIP calculator work

Step 1: Choose your target or investment amount

Step 2: Enter your investment or SIP amount

Step 3: Select the SIP duration

Step 4: Enter the expected rate of return.

After entering all the values, click ‘Calculate’. The calculator will instantly display the estimated maturity value or the required investment amount to achieve your goal.


How to use the SIP calculator of ICICI Bank?

Steps to use SIP Calculator for Target Amount

  • Start by choosing your investment amount, ranging from Re 1 to Rs 1 crore
  • Next, choose the type of investment - monthly SIP, quarterly or at once (a lump sum amount)
  • Next, choose the investment tenure that ranges from 1 to 50 years
  • Select the rate of interest that could range from 1% to 100% of your investment
  • ICICI Bank’s SIP Calculator will give you results based on your inputs. You will get an estimate for your total amount of investment, returns and total wealth accumulation.


Steps to use SIP Calculator for current investment amount

  • Choose your investment amount according to your financial capacity, with options ranging from Re 1 to Rs 1 crore
  • Decide whether you want to invest through monthly SIPs, quarterly payments or a lump sum amount, as per your convenience and financial goals
  • Choose a tenure that aligns with your investment objectives, with options ranging from 1 to 50 years
  • Customise your investment by selecting an interest rate that suits your risk appetite and financial expectations, with choices ranging from 1% to 100% ROI
  • Use ICICI Bank’s SIP Return Calculator to get accurate estimates for your total investment, projected returns and accumulated wealth.

How can an SIP Calculator help investors?

An SIP Calculator acts like a financial guide. It takes the investment details - how much the investors are putting in regularly, for how long and the expected returns. It will then give the investors a glimpse into their financial future.

What details are required to use a SIP calculator online?

To use a SIP calculator online, you'll need a few key details:

  • Investment amount: The initial amount you plan to invest
  • SIP frequency: How often you'll make contributions (e.g., monthly)
  • Expected return rate: The anticipated annual growth rate of your investment
  • Investment tenure: The duration for which you plan to invest.

Once you input these details, the calculator will estimate your future earnings through Systematic Investment Planning.

What causes fluctuations in SIP interest rates?

SIP interest rates in India are majorly affected by market conditions, for example, how well the SIP mutual fund is performing in the current market. However, there are more factors which lead to fluctuations including interest rates, global financial events, and government regulations. Keeping in mind the various factors can help with SIP investments. 

SIP Calculator FAQs

Can an SIP calculator guarantee accurate future returns?

No, an SIP calculator cannot guarantee accurate future returns. It can provide estimates based on historical data and assumptions, but market conditions are unpredictable and investments carry risks. Actual returns may vary significantly from the calculator's projections, making it essential to use SIP calculators as a rough planning tool rather than a guarantee of future performance.

What is the importance of the expected rate of return in an SIP return calculator?

The expected rate of return in an SIP calculator is crucial because it helps investors estimate their future wealth growth. A higher expected return can lead to a larger corpus, while a lower return may necessitate higher contributions. Accurate rate predictions are vital for setting realistic investment goals and making informed financial decisions.

How much can I invest in an SIP?

You can invest any amount in a Systematic Investment Plan (SIP), starting from as low as Rs 500 per month. There is no upper limit, providing flexibility to invest according to your financial goals and capabilities. Whether you are a conservative or an experienced investor, SIPs offer an accessible and customisable investment option.

What is the maximum tenure for an SIP?

The maximum tenure for an SIP generally ranges from 5 to 10 years. However, some Mutual Fund (MF) schemes may offer longer tenures depending on their investment objectives and policies. Longer tenures allow for the potential of compounding returns, offering investors the opportunity to accumulate wealth over time.

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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.