SIP Calculator - Calculate Your Systematic Investment Plan Returns
🇮🇳 Built for the Indian Market: Calculate potential returns on your SIP investments with compound interest in Indian Rupees. Plan your financial future with accurate projections and growth estimates!
What is SIP? A Systematic Investment Plan allows you to invest a fixed amount regularly in mutual funds, helping you build wealth through rupee cost averaging and the power of compounding. This calculator is designed specifically for Indian investors and uses Indian Rupees (₹) as SIP is most popular in India. Learn more about SIP
₹
%
Yr
Invested Amount₹30,00,000
Est. Returns₹26,00,897
Total Value₹56,00,897
Invested Amount
Est. Returns
Your SIP Investment Results
Monthly Investment
₹25,000
Investment Period
10 Years
Expected Return Rate
12%
Total Investment
₹30,00,000
Expected Returns
₹26,00,897
Maturity Amount
₹56,00,897
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How SIP Works
A Systematic Investment Plan (SIP) is a method of investing a fixed sum regularly in mutual funds. SIP allows you to invest a pre-determined amount at regular intervals (weekly, monthly, quarterly, etc.) in your preferred mutual fund scheme.
Benefits of SIP Investment:
Rupee Cost Averaging: SIP helps average out market volatility by investing fixed amounts at regular intervals
Power of Compounding: Your money grows exponentially over time through compound interest
Disciplined Investing: SIP encourages regular saving and investment habits
Flexibility: You can start, stop, or modify your SIP amount anytime
Affordable: You can start investing with as little as ₹100 per month
SIP Formula:
FV = P × {[(1 + r)^n - 1] / r} × (1 + r)
Where:
FV = Future Value of investment
P = Monthly investment amount
r = Expected rate of return per month
n = Number of monthly payments
SIP Calculator FAQ
What is a SIP calculator?
A SIP calculator is a financial tool that helps you estimate the future value of your Systematic Investment Plan investments. It calculates potential returns based on your monthly investment amount, expected rate of return, and investment tenure.
How accurate is the SIP calculator?
Our SIP calculator provides estimates based on the compound interest formula. While it gives accurate mathematical projections, actual returns may vary due to market conditions, fund performance, and economic factors.
What should be the ideal SIP amount?
The ideal SIP amount depends on your financial goals, income, and expenses. A good rule of thumb is to invest 20-30% of your monthly income. You can start small and gradually increase your SIP amount over time.
Can I change my SIP amount later?
Yes, most mutual funds allow you to modify your SIP amount. You can increase, decrease, pause, or stop your SIP anytime. However, it's recommended to continue SIP for the long term to benefit from compounding.