SIP Calculator
₹
Enter a valid amount (₹100 – ₹1,00,00,000)
%
Enter a rate between 1% and 50%
Years
Enter duration between 1 and 40 years
Total Invested
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Total Returns
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Maturity Value
—
—
gain
- Amount Invested
- Estimated Returns
| Year | Invested | Returns | Total Value |
|---|
SIP Formula
M = P × { [(1 + r)ⁿ - 1] / r } × (1 + r)
Where:
M = Maturity Amount
P = Monthly SIP Amount
r = Monthly Rate of Return (Annual Rate ÷ 12 ÷ 100)
n = Total Months (Years × 12)
What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your monthly mutual fund investments. By entering your monthly investment amount, expected annual return, and investment duration, you get an instant projection of your wealth creation.
How to Use This SIP Calculator
- Monthly Investment: Enter the fixed amount you plan to invest each month. Even ₹500/month can create significant wealth over time.
- Expected Return: Historical equity mutual fund returns in India have ranged from 10–15% annually. Use 10–12% for a conservative estimate.
- Duration: The longer you stay invested, the more powerful compounding becomes. Try 15–20 years to see the difference.
Benefits of SIP Investing
- Rupee Cost Averaging: You buy more units when prices are low and fewer when high, automatically averaging your purchase cost.
- Power of Compounding: Returns are reinvested, so you earn returns on your returns — the longer you invest, the greater the effect.
- Disciplined Saving: Auto-debit keeps you consistent without requiring manual action each month.
- Flexibility: You can start with as low as ₹100/month and increase your SIP as income grows.