SIP Calculator

Calculate the return on your SIP investments when you Invest via SIP using this calculator. A Systematic Investment Plan (SIP) helps you to make small investments in mutual funds at regular intervals that can grow your money in the smartest way possible.

Tell us how much you can start with investing (it can be as low as Rs.1000 per month) and we will tell you, based on our SIP return calculator, how much your money would have grown.

SIP Calculator
Money Invested
Wealth Gained
Your wealth in 2036

Long Term Wealth Vs Bank FD

Scripbox (12% p.a.)
upto 53,32,000*
Bank FD (5.5% p.a.)

Growth Scenarios

Above average (14% p.a.)
Average (12% p.a.)
Below average (10% p.a.)
Growth Scenarios
Above average
14% per year
12% per year
Below average
10% per year
Note: All projections are based on historical averages.
ⓘ  Flexible, no lock-in & easy withdrawals

What is Systematic Investment Plan (SIP)?

A SIP is a systematic investment plan wherein a certain fixed amount of money is deducted towards the investment in mutual funds periodically (weekly, monthly, or quarterly). SIP's provides the most disciplined approach towards making an investment along with offering various benefits.

Suppose you have decided to invest in a mutual fund through SIP. All you need to do is get your KYC done along with certain other formalities and you can start investing.

Once you have decided to invest, say monthly, an amount of Rs. 10,000, it will automatically deduct the amount from your bank account and invest in the selected mutual fund.

What is a Mutual Fund SIP Calculator?

If you want to estimate the returns that will be made by you through investment via SIP, a mutual fund SIP calculator can help you to do the same. The SIP calculator is simple and easy to use online tool to help investors estimate the return on mutual funds

The SIP calculator online works on the data inputs provided by you to estimate the returns. For example, it would ask for your investment horizon, the maximum amount that you can invest after meeting all your expenditures, etc.

Based on the data entered by you, the online SIP calculator will help you in estimating the returns showing you the wealth gained on your investment and the maturity amount.

However, it is to be noted here that the return is just an estimation and does not assure you of fixed returns. Actual returns might vary depending on the performance of the mutual fund. It can be either higher or lower than the estimated return based on the current performance of the fund.

How Do MF SIP Calculators Work?

SIP returns are calculated as per the compound interest and a number of times compounding is applicable. You can enter the monthly amount you want to invest, the number of years you want to stay invested and the expected rate of earnings on a SIP. The SIP calculator online will automatically calculate the maturity amount and wealth to be gained out of the mutual fund investments.

You can also choose to enter the target amount matching your financial goal and reverse calculate the monthly amount to be invested given tenure and rate of growth.

How is SIP return calculated?

There are various ways to calculate return on SIP like absolute return, annualized return, CAGR, XIRR.

CAGR or Compounded Annual Growth Rate

CAGR or Compounded Annual Growth Rate is considered as the most common and effective way to calculate the SIP returns if your investment horizon is more than a year.

CAGR = (ending value/beginning value)^(1/number of years or months)-1*100. The formula for CAGR is shown below:

  • Ending value of investment made
  • Beginning Value of investment made
  • Number of years or months of investment


Details needed to calculate mutual fund returns through the CAGR formula

  • The NAV at which investment was made
  • The NAV at the end of investment period
  • Investment period


Let us understand the concept better with the help of an example:

Suppose you have invested Rs. 1,00,000 in a mutual fund 2 years back when the NAV was Rs. 50. Over the years, the fund has grown and the current NAV stands at Rs. 60.Here’s how CAGR formula will work to calculate the returns in this case:

CAGR = (ending value/beginning value)^(1/number of years)-1*100

Putting values in the above formula:

(60/50)^(½)*100 = 9.54%

The above can be calculated by considering the holding period in a number of months as well. Below is the formula we can use for that:

CAGR = (ending value/beginning value)^(12/number of months)-1*100

(60/50)^(12/24)*100 = 9.54%

How to use Scripbox's Systematic Investment Calculator?

Scripbox SIP return calculator online is available on our website. Follow the below-listed steps to get the maturity amount and estimated wealth gain

  • Visit website.
  • Select the type of investment type. You can choose between the two approaches.


Monthly SIP approach

  • If you know the monthly SIP amount you are ready to invest, select ‘Monthly SIP’ approach
  • Enter your monthly SIP amount
  • Enter investment period in years
  • Enter the expected growth rate (%)
  • Enter step-up %. SIP investments can be increased every year by step-up %. This helps you achieve your financial goals faster and systematically. This step-up % is generally equal to the raise in your annual pay.


MF SIP calculator provides the wealth gained and maturity value on mutual funds

Target Amount approach

  • If you have already decided the financial objective and the target amount you want to achieve at the end of the tenure, select the ‘Target Amount’ approach
  • Once you have decided your approach, enter the target amount you have in mind to achieve from this investment
  • Enter the investment period in years
  • Enter the expected growth rate (%)
  • Enter step-up %. SIP investments can be increased every year by step-up %. This helps you achieve your financial goals faster and systematically. This step-up % is generally equal to the raise in your annual pay.


Online Mutual Fund SIP calculator provides the initial amount to be invested, the wealth you will gain.

You can also refer to the ‘SIP Investment Chart’. This chart provides a visualization of the maturity amount over the tenure of investment. It is a ready tool to understand the year in which the wealth gained is higher.

What are the Benefits of SIP Calculator?

The following are the benefits of SIP calculator or mutual fund SIP return calculator:

  1. Estimate total wealth gain: It allows the investor to get an estimate of the total wealth gain on the investment and the maturity amount at the end of SIP tenure.
  2. Manage your finances better: Individuals will be able to manage their finances better once they have an estimated idea of their investment.
  3. Avoid manual errors: It saves time for the manual calculation to be made by the investor and also helps in avoiding errors.
  4. Estimate for different scenarios: It helps you to evaluate the returns in different scenarios.

What are the type of SIP's available?

Below is the type of SIP's available in the market as of now:

  1. Top-up SIP: In this, the investor, who has enrolled for a SIP, has the option to increase the SIP installment amount by a fixed amount at predefined intervals.
  2. Perpetual SIP: Perpetual SIP does not have any fixed investment period and they continue to exist till perpetuity unless they are canceled by the investor. It is advisable for long-term investors.
  3. Flexi SIP: In Flexi SIP, the investor can change the investment amount on the basis of a pre-decided formula. An investor can invest a lower amount when markets are high and a higher amount when markets are low.
  4. Trigger SIP: A trigger SIP facility in a mutual fund allows investors to redeem part or full amount or switch investment to another scheme automatically when it reaches a pre-defined trigger point.

How to invest in a Systematic Investment Plan?

The SIP mutual fund investments can be made in simple 3-step process:

Step 1

Understand the objective of the investment before moving forward with the investment. Once your financial goals are set, it will help you in identifying the right asset class for your investment.

Step 2

Choose the right category of a mutual fund based on the exposure you wish to have in equity or debt as per step-1.

Before actually making the investment, you will be required to complete the application form, submit identity and address proof and complete KYC details.

Step 3

Select the date of SIP. You can either do it yourself or enable the auto-debit option. Under this, the amount will automatically debit from your bank account on the specified date.

What are the best mutual funds to invest in a SIP?

The best SIP funds to invest in 2021 are:

Frequently Asked Questions

Is SIP better or a lump sum?


The answer lies in your own investment goals and cash flows in hand. If you have a huge amount with you and you are looking for an investment opportunity you can consider investing a lumpsum amount in mutual funds. However, if you are looking for a disciplined investment over a period of time with a fixed amount you can opt for the SIP mode of investment. You can refer to our complete guide on how to choose between SIP and lumpsum mode on investment.

Which is better FD or SIP?


The decision of FD vs SIP or which is better FD or SIP depends on the objectives of an investor, type of investment solution, and the understanding or acceptance of risk. There are multiple common grounds on which you can compare both the options like returns, liquidity, tax, investment objective, and risk. An investor who wants to invest in a secure and pre-determined interest providing investment option can consider FD. Whereas an investor who is ready to accept market fluctuations associated with mutual funds can invest in a fund through SIP. You must compare both the options and choose the option that suits your investment objectives.

Is SIP tax-free?


A SIP is a method of investing in a mutual fund. The taxability of mutual funds depends on their type and the period of investment. So a SIP is not always tax-free. If you invest in an equity-linked saving scheme ELSS mutual fund the returns will be tax-free. If you invest in equity mutual funds and invest for 12 months you will receive short-term capital gain and pay tax @ 15% + cess + surcharge. However, if you stay invested for more than 12 months then you will earn long-term capital gains and pay tax @ 10% + cess + surcharge if the gain is more than Rs 1 lakh. Now, let’s say you invest in debt funds and withdraw before 36 months then you will earn STCG and pay tax at the slab rate applicable. However, if you withdraw after 36 months of investments then the LTCG will taxable at the rate of 20% + cess + surcharge

Build Long Term Wealth

Invest in a scientifically curated set of equity mutual funds which are best aligned towards achieving any long term objectives you have.

  • Indicative returns of 11.25% annually
  • Recommended Duration > 5 years
  • No lock-in of your funds
  • Grow wealth, retirement, kids education
  • One-click investing and tracking
  • Zero fees for all your investments