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SIP Calculator

Calculate future wealth generated by Systematic Investment Plans (SIP) in mutual funds with the compounding growth model.

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Investment Parameters

₹
₹500₹25,000₹50,000₹1,00,000+
%
1% (Debt)12% (Equity/Index)18% (Aggressive)30%
Yrs
1 Year10 Years20 Years40 Years
Popular Tenures:
Projected WealthAfter 10 Years
Expected Maturity Value
₹ 1,161,695
Invested: 52%Gain: 48%
Invested Amount
₹ 600,000
Est. Wealth Gain
+ ₹ 561,695
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Power of Compounding

Earnings on your investments generate their own earnings, accelerating your wealth accumulation exponentially over time.

Rupee Cost Averaging

Regular monthly contributions buy more mutual fund units when market prices are low and fewer units when prices are high.

100% Client-Side Privacy

All financial calculations are computed entirely in your browser without transmitting your personal investment figures.

How SIP (Systematic Investment Plan) Works

A Systematic Investment Plan (SIP) is a disciplined approach where an investor commits a fixed sum of money at predefined intervals (usually monthly) into a designated mutual fund scheme. Instead of timing the market with a lump-sum amount, SIP leverages the twin benefits of rupee cost averaging and compounding returns.

Mathematical Formula for SIP

M = P × [ ( (1 + i)^n - 1 ) / i ] × (1 + i)

Where M = Maturity Value, P = Monthly investment amount, i = Periodic interest rate (Annual Rate / 12 / 100), and n = Total number of monthly deposits.

Frequently Asked Questions

Clear answers to popular questions about SIP investing and calculations.

Wealth Growth
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About SIP Investment Calculator

Estimate the future maturity value of your Systematic Investment Plans (SIP) in mutual funds based on monthly investments, expected returns, and investment period.

Key Highlights & Capabilities

Calculate future wealth and total returns
Interactive investment vs. gain growth chart
Inflation-adjusted maturity estimates
Compare lump sum vs. monthly SIP returns
Financial Knowledge Hub & Blog

Articles & Guides for SIP Calculator

Master calculation formulas, tax optimization, and planning strategies for SIP Calculator.

SIP vs Lump Sum: Which Investment Strategy Yields Better Long-Term Returns?InvestmentsSIP Calculator
Finance Desk• 5 min read

SIP vs Lump Sum: Which Investment Strategy Yields Better Long-Term Returns?

Understand how rupee cost averaging and compounding in mutual fund SIPs compare against one-time lump sum deposits.

Read Article5 min read
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