The SIP Calculator projects the maturity value of a monthly Systematic Investment Plan in mutual funds, using the compound growth formula for regular instalments, and plots a year-by-year growth chart so you can see how your invested amount and the returns generated on it diverge over the tenure.
SIPs benefit from rupee-cost averaging — investing a fixed amount regularly buys more units when the market is low and fewer when it's high, smoothing out volatility over time — and the power of compounding means a SIP continued for 15-20 years typically grows far more from returns-on-returns than from the raw invested amount alone.
What return rate should I assume for a SIP calculation?
Equity mutual funds in India have historically returned roughly 10–14% annually over long periods, though actual returns vary by fund and market cycle and are never guaranteed. Debt funds typically project more conservative rates of 6–8%.
Is SIP maturity value guaranteed like a fixed deposit?
No, unlike a fixed deposit, SIP returns depend on market performance and are not guaranteed — the projected maturity value shown is an estimate based on an assumed average annual return, not a promised outcome.
Is my data safe when I use SIP Calculator?
Most AIVEXA tools run entirely in your browser (client-side), which means your files and inputs are processed on your own device and are not uploaded to a server.
Can I use SIP Calculator on mobile, and is it free?
Yes — it works on any modern browser (desktop, Android or iOS) without installing an app, and it's free to use with no signup or watermark.