The SIP delay calculator helps you calculate how much you will lose if you delay your SIP. The SIP calculator online provides individuals with an idea of the returns they can expect from their mutual fund investments. The most popular investment option for millennials lately is mutual fund SIPs. Calculators such as these are designed to give potential investors a sense of how much they can expect to invest in mutual funds. Mutual fund returns, however, are dependent on several factors. SIP calculators do not provide information about exit loads and expense ratios.