SIP Calculator

Calculate the future value of your Systematic Investment Plan and visualize wealth accumulation over time.

Monthly Investment Amount

Expected Annual Return (%)

Investment Period (Years)

Yrs

Invested Amount

₹ 12,00,000

Est. Returns

₹ 11,23,391

Total Value

₹ 23,23,391

Invested

Returns

Year-by-Year Growth

Year	Invested Amount	Est. Returns	Total Balance

How SIP is Calculated? (Formula)

The SIP calculator uses the compound interest formula for periodic contributions:

M = P × [ { ( 1 + r )^n - 1 } / r ] × ( 1 + r )

M = Amount you receive upon maturity
P = Monthly investment amount
r = Monthly rate of return (Annual Rate / 12 / 100)
n = Number of payments (Years × 12)

Worked Examples

Example 1: Long-term Wealth

Investing $500/month for 20 years at 12% expected return.

Total Invested: $120,000 | Est. Returns: $379,574 | Total Value: $499,574

Example 2: Medium-term Goal

Investing ₹10,000/month for 5 years at 10% expected return.

Total Invested: ₹600,000 | Est. Returns: ₹180,824 | Total Value: ₹780,824

Example 3: Aggressive Growth

Investing £200/month for 15 years at 15% expected return.

Total Invested: £36,000 | Est. Returns: £99,359 | Total Value: £135,359

Frequently Asked Questions

What is a SIP?

A Systematic Investment Plan (SIP) is a facility offered by mutual funds that allows investors to invest a fixed amount regularly (e.g., monthly) instead of a lump sum.

Are SIP returns guaranteed?

No, SIPs in mutual funds are subject to market risks. The expected return rate is just an estimate based on historical performance or goals.

Can I stop or change my SIP amount?

Yes, most platforms allow you to pause, stop, or increase (step-up) your SIP amount at any time without penalties.

Why is SIP better than lumpsum?

SIP helps in Rupee Cost Averaging (buying more units when prices are low and fewer when high) and instills financial discipline without needing a large initial amount.