Calculate Your SIP Returns
Note: Actual returns may vary based on market performance and fund selection. This calculator provides estimated returns based on the expected rate of return you enter.
Your Investment Summary
₹6,00,000
Total contributions over 10 years
₹5,61,695
Expected gains at 12% p.a.
₹11,61,695
Your wealth after 10 years
Investment Breakdown
Investing in mutual funds through a Systematic Investment Plan (SIP) is one of the most effective ways to grow your wealth steadily over time. Unlike a lump-sum investment, SIPs allow you to invest a fixed amount at regular intervals, making it easier to build a disciplined investment habit while leveraging rupee cost averaging.
With The Tutor Bridge SIP Calculator, you can estimate your mutual fund returns instantly. Simply enter your monthly investment, expected rate of return, and investment tenure, and our calculator will provide a clear picture of your estimated maturity amount, total invested amount, and potential gains.
Whether you are a student, a working professional, or a first-time investor in India, this tool helps you plan your financial future with confidence. Start calculating your SIP returns now and make informed investment decisions in INR.
What is a SIP Calculator?
A SIP calculator is a simple online tool designed to help investors estimate returns from mutual fund investments made through systematic contributions. SIPs are not mutual funds themselves—they are a mode of investment. You can invest in equity, debt, or hybrid mutual funds via SIPs.
Why use a SIP calculator?
- Get an estimate of your maturity amount
- Understand the total invested amount over time
- See your expected returns based on realistic annual rates
- Compare SIP vs. lump-sum investment outcomes
- Plan monthly investments according to your financial goals
How it works:
The calculator considers three primary inputs:
- Monthly Investment (P): Amount invested every month
- Expected Annual Return (i): Projected percentage return per year
- Investment Tenure (n): Total duration of your investment in years or months
The calculator applies monthly compounding to provide an accurate estimate of returns.
Example Calculation:
Invest ₹1,000 per month for 12 months at 12% annual return.
Using the formula:
M = P × [(1 + i)^n - 1] / i × (1 + i)
Where:
- P = ₹1,000
- i = (1 + 0.12)^(1/12) - 1 ≈ 0.0095 (0.95% per month)
- n = 12 months
Maturity Amount
₹12,766
Invested Amount
₹12,000
Estimated Returns
₹766
Note: Actual returns may vary based on market performance.
How the SIP Calculator Can Help You
SIPs are considered a disciplined, long-term investment strategy. Using a SIP calculator provides several benefits:
Plan your investment
Know exactly how much to invest monthly to meet your financial goals.
Estimate potential wealth
Visualize how your contributions grow over time with compound interest.
Compare investment strategies
Understand the difference between lump sum and SIP investing approaches.
Stay financially disciplined
By regularly investing, you develop a habit of saving and investing consistently.
Time-saving
Avoid manual calculations and get immediate, accurate results.
Student-friendly planning
Plan for future expenses like higher education, study abroad, or career funds.
💡 Pro Tip: Use the calculator to simulate various scenarios, adjust your monthly contributions, or explore different investment tenures. For students, even small monthly investments can grow significantly over 5–10 years with the power of compounding.
Features of The Tutor Bridge SIP Calculator
Instant Results
See maturity amount, total invested, and expected returns immediately as you adjust inputs.
Flexible Inputs
Customize monthly investment (₹500 to ₹1,00,000), annual returns (1% to 30%), and duration (1 to 40 years).
Visual Breakdown
Clear visualization of invested amount vs. returns, with detailed investment summary.
Accurate Calculations
Handles monthly compounding correctly using proven financial formulas; avoids overestimations.
Mobile-Friendly
Fully responsive design works seamlessly on desktops, tablets, and smartphones.
India-Focused
All calculations in Indian Rupees (INR) with formatting tailored for the Indian market.
Step-by-Step Guide to Using the SIP Calculator
- 1
Enter your monthly investment amount (₹) using the slider or input field.
- 2
Choose your investment tenure in years based on your financial goals.
- 3
Input your expected annual rate of return (%) based on historical or projected mutual fund performance.
- 4
View results instantly showing:
- • Total invested amount
- • Estimated returns
- • Maturity value
- 5
Adjust parameters to explore different investment scenarios and find the best plan for your goals.
Advantages of Using a SIP Calculator
Plan investments accurately and meet financial goals with realistic projections.
Save time compared to manual calculations with complex formulas.
Gain confidence in investment decisions with realistic return projections.
Understand the impact of monthly contributions and investment tenure on overall returns.
Perfect for students and beginners in India to get a practical understanding of wealth creation through SIPs.
Experience the power of compounding: Even small monthly investments can grow significantly over 5–10 years for young professionals and students.
Frequently Asked Questions (FAQs)
1. How much can I invest in a SIP in India?
You can invest as low as ₹500 per month in most mutual funds. There is no upper limit—you can invest as much as you want based on your financial capacity.
2. What is the maximum tenure of a SIP?
There's no fixed maximum tenure. You can invest through SIP for as long as you like—many investors continue SIPs for 10, 20, or even 30+ years to maximize the benefits of compounding.
3. Can I modify my SIP amount later?
Yes! Most mutual funds allow you to increase, decrease, or pause your SIP contributions. You can also stop your SIP anytime without penalties (though you should check specific fund terms).
4. Are SIPs only for equity mutual funds?
No! You can invest via SIP in equity, debt, or hybrid mutual funds. SIP is simply a method of investment, not a specific type of fund.
5. What types of SIPs are available in India?
- • Regular SIP: Fixed amount invested at fixed intervals
- • Step-up SIP: Automatic increase in contributions over time
- • Perpetual SIP: Invest indefinitely without an end date
- • Trigger SIP: Invest based on specific market conditions
- • Flexible SIP: Change amounts as per your needs
6. How does compounding work in SIPs?
In SIPs, returns are compounded monthly. This means the returns you earn each month are reinvested, and you earn returns on those returns too. Over time, this compounding effect can significantly boost your wealth—especially for long-term investments.
7. Is SIP better than lump-sum investment?
SIP is ideal for disciplined investing and rupee cost averaging—it reduces the impact of market volatility. Lump sum may be better if markets are down or you have a large amount to invest at once. Both have their benefits depending on your situation and risk appetite.
8. How to estimate SIP returns accurately?
Use realistic expected annual returns (typically 8-15% for equity funds, 6-9% for debt funds) and your actual monthly contribution amount. Our SIP calculator provides precise estimates based on monthly compounding, but remember—actual market returns may vary.
9. Can students start investing in SIPs?
Absolutely! Students can start with as little as ₹500 per month. Starting early gives you the advantage of time—even small investments can grow substantially over 10-15 years due to compounding. It's a great way to build financial discipline early.
10. Are SIP returns guaranteed?
No, SIP returns are not guaranteed as they depend on market performance. However, historically, equity mutual funds have delivered good returns over long periods (10+ years). The SIP calculator provides estimates based on the return rate you input.