Finance

SIP Calculator

Calculate the estimated future value, invested amount, and returns of a monthly SIP investment.

SIP Calculator calculator

SIP Calculator

Enter the values below to calculate your result.

%
years

Your result will appear here

Enter the required values and click Calculate to see your result.

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How does the sip calculator work?

Enter the amount you plan to invest each month, your expected annual return, and the investment period. The calculator estimates the total value of your SIP investment, the amount you contributed, and the estimated returns generated through compounding.

Formula

FV = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r)

Examples

₹5,000 monthly SIP for 10 years

Inputs

monthlyInvestment
5000
returnRate
12
tenure
10
Result

At an assumed 12% annual return, the estimated total value is approximately ₹11,61,016, with ₹6,00,000 invested and approximately ₹5,61,016 in estimated returns.

₹10,000 monthly SIP for 15 years

Inputs

monthlyInvestment
10000
returnRate
12
tenure
15
Result

At an assumed 12% annual return, the estimated total value is approximately ₹50,45,760, with ₹18,00,000 invested and approximately ₹32,45,760 in estimated returns.

About this calculator

A SIP calculator helps you estimate how much a regular monthly investment could grow over time. SIP stands for Systematic Investment Plan and is commonly used for investing a fixed amount at regular intervals.

The estimated SIP value depends mainly on your monthly investment, expected annual return, and investment period. Increasing the monthly contribution or investing for a longer period can significantly increase the projected value.

This calculator uses an assumed rate of return to estimate the future value of your investments. Actual investment returns can be higher or lower because market performance is not guaranteed.

SIP calculations are useful for planning long-term investments, comparing different monthly investment amounts, and understanding how compounding may affect your potential returns over time.

Frequently asked questions

What is a SIP?

SIP stands for Systematic Investment Plan. It allows an investor to invest a fixed amount at regular intervals, commonly every month.

How does a SIP calculator work?

The calculator uses your monthly investment, expected annual return, and investment period to estimate the future value of your investment using a compounding-based SIP formula.

Does a SIP calculator guarantee returns?

No. The result is only an estimate based on the expected return rate entered. Actual investment returns can vary with market performance.

How much should I invest in a SIP?

The appropriate investment amount depends on your income, expenses, financial goals, investment horizon, and risk tolerance. This calculator can help you compare different monthly investment amounts.

Does investing for a longer period increase SIP returns?

A longer investment period can increase the projected value because your contributions have more time to potentially compound. However, actual returns are not guaranteed.

What is the difference between invested amount and estimated returns?

The invested amount is the total of your monthly contributions. Estimated returns represent the projected growth above the amount you contributed.

Can I use this calculator for mutual fund SIP investments?

Yes. You can use it to estimate the potential future value of a regular monthly investment when you enter an assumed annual return rate.

Does this calculator include taxes or investment fees?

No. The basic SIP calculation does not account for taxes, fund expenses, transaction costs, or other investment charges.

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