SIP Calculator

A Systematic Investment Plan (SIP) calculator helps you estimate the returns on mutual fund investments made through SIP.

Investment Summary

Total Investment: ₹ 0
Wealth Gained: ₹ 0
Maturity Value: ₹ 0

How SIP Calculator Works

The SIP calculator uses the compound interest formula to estimate your investment growth:

FV = P × (((1 + i)n - 1) / i) × (1 + i)

Formula Parameters

FV Future Value (total corpus at the end of investment period)
P Monthly SIP amount
n Total number of installments (years × 12 months/year)
i Periodic (monthly) interest rate (annual rate / 12)

Calculation Steps

1
Calculate monthly interest rate and installments

Monthly interest rate (i): Annual rate divided by 12

Total number of installments (n): Investment years multiplied by 12

2
Calculate future value using SIP formula

FV = P × (((1 + i)n - 1) / i) × (1 + i)

Important Considerations

  • Market Risk: This calculation is an estimate based on an expected annual return. Actual returns are market-linked and not guaranteed, so the final amount may vary.
  • Long-Term Growth: The significant difference between your total investment and the future value highlights the benefit of long-term investing and compounding.
  • Inflation and Tax: This calculation does not factor in inflation or taxes, which may affect the real value of your returns.