Financial

SIP Calculator

Systematic Investment Plan returns. Fast, accurate, and completely free.

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Future Value
₹11,61,695
Maturity Wealth Estimation

Investment Summary

Invested Amount
₹6,00,000
Est. Wealth Gain
₹5,61,695

Mathematical Formula

M = P \times \frac{(1 + i)^n - 1}{i} \times (1 + i)

M = Future Maturity Value

P = Monthly SIP Amount

i = Monthly Interest Rate (Annual Rate / 12 / 100)

n = Total Number of Payments (Tenure in Years * 12)

How to Use this Calculator

  1. Input your Monthly Investment amount (e.g., ₹5,000).

  2. Enter the Expected Annual Return Rate (%) based on historical mutual fund performance (e.g., 12%).

  3. Specify the Investment Duration in years (e.g., 10 Years).

  4. Review the estimated maturity value, total invested capital, net wealth gained, and the interactive pie chart.

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) is an investment vehicle offered by mutual funds, allowing investors to invest a fixed amount of money regularly (monthly, quarterly, or weekly) into a chosen mutual fund scheme. SIP is a highly disciplined approach to wealth creation that leverages the power of compounding and rupee cost averaging.

The Power of Compounding & Rupee Cost Averaging

Investing through a SIP offers two massive financial benefits:

  • Compounding: Your investment earnings are reinvested, generating their own earnings. Over long periods (15-20+ years), compounding turns small monthly savings into massive corpuses.
  • Rupee Cost Averaging: Because you invest a fixed amount regularly, you buy more mutual fund units when prices are low and fewer units when prices are high. This averages out the cost of your investments over time, protecting you from market volatility.

Frequently Asked Questions (FAQ)

Can I modify or stop my SIP at any time?

Yes, you can pause, stop, or increase/decrease your SIP amount at any time without any penalties, offering complete financial flexibility.

Are SIP returns guaranteed?

No, mutual fund investments are subject to market risks, so SIP returns are not guaranteed. However, historically, equity mutual funds in India have delivered 12-15% annual returns over long tenures (7+ years).

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