📊 SIP Calculator

Calculate SIP returns, lumpsum growth and goal-based SIP for Indian mutual funds. Compare 8%, 12%, 15%, 18% returns with interactive charts. 100% free.

Calculate SIP returns, lumpsum growth, and goal-based SIP amounts for Indian mutual funds. Compare returns at 8%, 12%, 15%, 18% with charts.

AWE-OS SIP Calculator is a free online tool for Indian investors to estimate the future value of Systematic Investment Plan (SIP) contributions in mutual funds. It supports three calculation modes — standard SIP (monthly investment to corpus), Lumpsum (one-time investment growth), and Goal-Based (required monthly SIP to reach a target) — making it suitable for a wide range of investment planning scenarios from retirement planning to children's education funds.

The calculator uses the standard compound interest formula endorsed by AMFI (Association of Mutual Funds in India): FV = P × [(1 + r)^n – 1] ÷ r × (1 + r), where rupee-cost averaging is implicit in the monthly compounding structure. Results are displayed as three summary cards (Total Invested, Estimated Returns, Final Corpus) alongside a year-by-year corpus growth chart and a rate sensitivity table comparing outcomes at 8%, 12%, 15%, and 18% annual returns.

SIP projections assume constant annual returns, no fund expense ratios, and full reinvestment of all returns. In practice, equity mutual fund returns vary significantly year to year based on market conditions. The SEBI-mandated disclaimer applies: mutual fund investments are subject to market risks and past performance does not guarantee future returns. The return rate range shown (8–18%) reflects the historical long-term performance band of different mutual fund categories in India, from conservative debt funds to aggressive small-cap equity funds.

This tool is designed for financial awareness and preliminary investment planning. It is not registered investment advice. Before starting or modifying a SIP, consult a SEBI-registered investment advisor (RIA) or a certified financial planner (CFP) who can evaluate your complete financial profile including risk tolerance, tax situation, existing investments, insurance coverage, and specific financial goals.

Related Tools