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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.


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

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. 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.

  3. Helps in deciding the SIP Amount

  4. 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.

  5. User-Oriented

  6. 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 Return 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.

For example, if Rs. 10,000 per month is invested for 5 years at 12% on investor will receive Rs. 8,11,036 on maturity.

What is an SIP Calculator and how does it work?

SIP (Systematic Investment Plan) Calculators are valuable tools for Mutual Fund investors to project their investment returns. These calculators offer valuable insights that empower investors to make informed decisions.

This is the formula used by the SIP calculator:

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

  • M represents the amount you will receive upon maturity.
  • n stands for the number of payments you have made.
  • i is the periodic rate of interest.

Assume you invest Rs 1,000 monthly for a year, at a 12% annual interest rate. To compute the monthly interest rate, you have to divide 12% by <12> months, which yields a monthly rate of 1% or 0.01. By applying the above formula, your maturity amount (M) is approximately Rs 12,809 after a year.

SIP Calculator FAQs

What is a Systematic Investment Plan (SIP) Calculator?

An SIP Calculator is a financial tool that helps investors estimate the potential returns on their Mutual Fund investments through regular, systematic contributions over time. It considers variables like the investment amount, duration and the expected rate of return, aiding in financial planning.

How does an SIP Calculator work?

An SIP Calculator is like a financial guide. You tell it how much you are investing regularly, for how long and your expected returns. Then, it will give you a peek into the future, i.e. how much you will end up after the tenure, helping you plan your finances better.

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.

How is an SIP return calculator helpful?

An SIP return calculator is a valuable tool for investors. It helps estimate the potential returns on SIP investments, allowing them to set realistic financial goals and make informed decisions. By inputting variables like the investment amount, duration and expected rate of return, it offers a clear picture of your financial future, aiding in prudent investment planning.

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 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.

What are the limitations of SIP calculators?

SIP calculators while useful, have limitations:

  • Market volatility: They often assume steady returns, ignoring market fluctuations
  • Unrealistic assumptions: Calculators may use fixed interest rates, not accounting for variable returns
  • Inflation neglect: Most SIP calculators don't consider the impact of inflation on future expenses
  • No personalisation: They may not affect individual financial goals and risk tolerance
  • Neglecting taxes: Calculators often ignore tax implications on investments
  • Limited predictability: They can't guarantee future market behaviour.

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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.