SIP Calculator
Calculate your mutual fund investment returns
SIP Calculator: Plan Your Investment Journey
A Systematic Investment Plan (SIP) is a powerful way to build wealth over time. Our calculator helps you estimate the future value of your investments with just three simple inputs.
💡 Pro Tip: Start early and stay consistent. Even small monthly investments can grow significantly over time due to compounding.
Understanding the Inputs
Monthly Investment
- •Fixed amount you invest every month
- •Minimum: ₹500
- •Can be increased over time
Investment Period
- •Duration in months
- •Minimum: 6 months
- •Longer periods = More compounding
Expected Return
- •Annual rate of return (%)
- •Equity funds: 10-12%
- •Debt funds: 6-8%
Calculation Method
- •Uses future value formula
- •Accounts for monthly compounding
- •Provides estimated returns
Frequently Asked Questions
What is the formula for SIP calculation?
Our tool uses the standard future value formula: M = P × ( ( (1 + i)^n - 1 ) / i ) × (1 + i), where M is the future value, P is the monthly investment, i is the monthly interest rate, and n is the number of months.
Is this calculator 100% accurate?
This calculator provides an estimate. Real-world returns are not guaranteed and can vary based on market performance. This tool is for educational purposes only.
Why use months instead of years?
Using months provides more precision since SIPs are monthly investments. It allows for exact calculation of compounding periods and better accuracy.
What is a good SIP amount to start with?
Start with an amount you can consistently invest every month. Even ₹1,000-₹5,000 per month can grow significantly over 10-15 years through the power of compounding.