Advanced SIP Calculator
Plan your investments and see the power of compounding with systematic investments
SIP Calculator – Calculate Your Mutual Fund Returns Easily | DailyLifeTool
Start your investment journey smartly with our Free SIP Calculator. Whether you’re a beginner or a pro investor, use this tool to estimate your mutual fund returns with ease.
No sign-up. No hidden charges. Just simple, accurate, and quick SIP calculations.
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator is a financial tool that helps investors estimate the future value of their SIP investments based on three main factors:
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Monthly Investment Amount
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Investment Period (Years)
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Expected Annual Return (%)
It gives a clear projection of wealth creation, helping you make smarter decisions about your savings and goals.
Key Features of DailyLifeTool’s SIP Calculator
| Feature | Details |
|---|---|
| 🎯 Instant Result | Calculate SIP returns within seconds |
| 📊 Graphical Output | Visual representation of Investment vs. Return |
| 💻 Cross-device Support | Use on PC, laptop, tablet, or smartphone |
| 🔐 Secure | No data is stored or shared |
| 🧮 Accurate Formula | Based on industry-standard compound interest calculation |
| 🆓 Completely Free | No charges or subscriptions required |
| 📥 No Sign-Up Needed | Use instantly without logging in |
How Does SIP Work?
SIP allows you to invest a fixed amount at regular intervals (monthly) into a mutual fund scheme. Over time, thanks to compounding, your money grows, generating returns.
Example:
If you invest ₹5,000 per month for 10 years at an average return of 12%, you can expect over ₹11 lakhs in returns.
SIP Calculator Formula
We use the compound interest formula for SIPs:
Future Value (FV) = P × [(1 + r)^n – 1] × (1 + r)/r
Where:
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P = Monthly Investment Amount
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r = Monthly interest rate (Annual rate ÷ 12 ÷ 100)
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n = Number of months (years × 12)
How to Use Our SIP Calculator?
Step 1: Enter Monthly SIP Amount
Input how much you plan to invest each month (e.g., ₹5000).
Step 2: Select Investment Tenure
Choose how many years you want to invest (e.g., 10 years).
Step 3: Enter Expected Return (%)
Provide your estimated annual return (e.g., 12%).
Step 4: Click “Calculate SIP”
The tool instantly shows your Total Invested, Total Gain, and Maturity Amount.
Sample Output:
Let’s say you invest ₹3,000 per month for 15 years at 12% interest:
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Total Investment: ₹5.4 Lakhs
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Estimated Returns: ₹9.7 Lakhs
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Maturity Value: ₹15.1 Lakhs
Benefits of Using SIP Calculator
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Helps set realistic investment goals
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Promotes regular investing habits
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Encourages long-term financial planning
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Makes comparisons between various SIP options easy
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Helps visualize compound growth over time
SIP vs Lump Sum – Which is Better?
| Feature | SIP | Lump Sum |
|---|---|---|
| Investment Type | Regular monthly investment | One-time bulk investment |
| Risk | Lower due to rupee cost averaging | Higher if market falls |
| Best For | Salaried individuals | Those with surplus cash |
| Market Timing | Not required | Crucial |
| Flexibility | High | Low |
Is My Data Safe?
Yes, your data is completely safe. This is a client-side calculator, which means:
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Nothing is uploaded to any server
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No cookies or tracking
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Your inputs are only used in real-time to calculate results
Start Your Smart Investment Planning Today!
Don’t just save — invest wisely with SIPs. Use our calculator to see how your money grows over time with consistency.
Try the SIP Calculator now and take the first step toward financial freedom!