SIP calculator is a simple tool to calculate your SIP returns. Many people uses SIP calculator before starting their investment journey. There are two ways to invest in Mutual funds. 1st is SIP and 2nd is Lumpsum. SIP is also known as a Systematic Investment Plan. In SIP you invest some amount of your income on monthly basis for the long term and then on a long-term basis your returns are calculated. To calculate those returns you need a SIP calculator.