---
type: "tool"
title: "SIP Calculator"
description: "Calculate the maturity value of your monthly SIP, total invested and estimated gains. Free SIP return calculator for Indian mutual funds."
resource: "https://www.gstcalculators.in/sip-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# SIP Calculator

Calculate the maturity value of your monthly SIP, total invested and estimated gains. Free SIP return calculator for Indian mutual funds.

- Canonical page: [SIP Calculator](https://www.gstcalculators.in/sip-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Basic Financial Calculators](../categories/basic.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### How does a SIP calculator work?

It applies the future value of an annuity: each monthly instalment compounds for the remaining months, and the results are summed.

### What return rate should I assume?

Equity funds have historically returned roughly 10–12% annually over long periods, but past returns do not guarantee future ones. Model a pessimistic case too.

### Are SIP returns guaranteed?

No. SIPs are market-linked investments. The calculator projects a scenario from your assumed rate — it is not a promise.

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).