Enter your SIP details to get started
Try an example, or enter your own values above.
How to use the SIP Investment Calculator
- Type in the amount you plan to invest each month.
- Type in the annual return rate you expect from the investment.
- Type in how many years you plan to invest, then click Calculate.
- Use the Copy or Share buttons to save or send your result.
Tip: SIP returns aren’t guaranteed — use a conservative rate estimate based on the fund’s historical average, not its best-ever year.
Common mistakes to avoid
- Using an unrealistically high expected return rate.
- Forgetting SIP returns compound monthly, not annually.
- Not accounting for fund expense ratios or taxes on gains.
The SIP maturity formula
How future value is projected
Maturity Value = P × [((1+r)^n − 1) / r] × (1+r), where P is the monthly investment, r is the monthly rate of return, and n is the total number of monthly investments. Invested Amount = P × n, and Wealth Gained = Maturity Value − Invested Amount.
When to use this tool
Useful for planning mutual fund SIPs, comparing different monthly investment amounts, or projecting long-term wealth-building goals.
✓ Pros
- Works instantly, right in your browser
- Breaks down invested amount vs. wealth gained
- No sign-up, no ads blocking the result
✕ Limitations
- Assumes a constant return rate, which real markets don’t provide
- Doesn’t account for fund expense ratios
- Doesn’t model taxes on capital gains
Quick SIP Reference
Example monthly SIP amounts and their projected maturity value.
| Monthly SIP | Rate / Duration | Maturity Value |
|---|---|---|
5,000 | 12% / 10yrs | ~11.6 lakh |
5,000 | 12% / 20yrs | ~49.9 lakh |
10,000 | 10% / 15yrs | ~41.4 lakh |
These are illustrative projections, not guaranteed returns — enter your own exact values above.
Features
Invested vs. gained breakdown
Instant results
No data stored
Mobile friendly
How TickmarkTools compares
An honest, feature-by-feature look at browser-based calculator tools.
| Feature | TickmarkTools | Typical free sites | Premium suites |
|---|---|---|---|
| Price | Free | Free / freemium | Free tier + paid plans |
| Sign-up required | No | Often yes | Yes |
| Data leaves your device | Never | Usually | Usually |
| Watermark on export | None | Sometimes | On free tier |
| Mobile friendly | ✓ | Varies | ✓ |
| Works without account | ✓ | Varies | ✗ |
These are general, illustrative observations about common patterns across free online calculator tools as a category — not verified or benchmarked data about any specific named competitor or product. Individual sites vary and may differ from what's shown here.
Why you can trust this tool
No data stored
Your input is never saved or logged.
Secure processing
All processing happens client-side in your browser.
Fast processing
Results render in milliseconds, no waiting.
Mobile friendly
Use this tool from any device.
No sign-up
No account, no email, no watermark.
Works offline*
Once loaded, this tool needs no internet connection.
Accuracy & limitations
This calculator is built for speed and accuracy, but it's worth understanding what it does and doesn't account for:
- Assumes constant returns. Real markets fluctuate year to year — this projects a smooth constant-rate outcome for simplicity.
- No expense ratio. Mutual fund expense ratios reduce actual returns and aren’t factored into this projection.
- No tax modeling. Capital gains tax on SIP withdrawals varies by holding period and jurisdiction, and isn’t included here.
SIP Investment Calculator FAQ
Yes, the SIP Investment Calculator is completely free with no sign-up required.
No — all calculations happen locally in your browser.
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly into a mutual fund, typically monthly.
No, mutual fund returns fluctuate with the market — this calculator uses a constant rate for projection purposes only.
Most funds allow pausing, but this calculator assumes continuous monthly investment for the full duration entered.
No. All calculations run entirely in your browser, and nothing you enter is ever sent to a server or stored.
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