SIP Calculator
Plan long-term wealth creation with this SIP calculator. Enter monthly investment, expected annual return, and tenure to estimate maturity value, total invested amount, and net gains from compounding.
Enter your SIP details to see the projected returns and growth table.
Features
- Monthly SIP compounding calculation
- Total invested vs. wealth gained breakdown
- Year-by-year growth table
- Works for any mutual fund or recurring investment
- Instant results with no server calls
Frequently Asked Questions
What is SIP and how does it work?
A Systematic Investment Plan means investing a fixed amount on a schedule (often monthly). It smooths purchase price over time and benefits from compounding when returns are reinvested.
How do you calculate SIP maturity value?
Future value uses an annuity formula: FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P is monthly investment, r is monthly rate (annual ÷ 12), and n is months. This tool applies that math for you.
What return rate should I use for SIP planning?
Use a conservative assumption unless you have a specific goal. Many planners use 10–12% for long-term equity as an illustration only; real returns vary and past performance is not a guarantee.
Is SIP only for mutual funds?
No. SIP is a habit, not a product. The same calculator applies to any regular contribution with an assumed annual return (mutual funds, index funds, etc.).