SIP Calculator (Systematic Investment Plan)
About SIP (Systematic Investment Plan) Calculator
The SIP Calculator helps you estimate the returns on your mutual fund investments made through a Systematic Investment Plan. It shows how small, regular monthly investments can grow into a large corpus over time — helping you plan your financial goals easily.
Formula (Simple Explanation)›
M = P × [(1 + r/n)^(n×t) − 1] × (1 + r/n) / (r/n)
Where: M = Maturity amount, P = Monthly investment amount, r = Annual rate of return (in decimal), n = Number of periods per year (usually 12), t = Investment duration in years.
Example:
Input: ₹5,000 invested monthly for 10 years at an annual return of 12%
Output: Maturity Amount = ₹11,61,695 and Total Investment = ₹6,00,000.
Steps to Use:
- Enter your monthly SIP amount (₹).
- Enter the expected annual return rate (%).
- Enter the investment period (in years).
- Click 'Calculate' to view your total corpus and profit.
Frequently Asked Questions
What is a SIP?›
A SIP (Systematic Investment Plan) is a disciplined way of investing a fixed amount regularly in mutual funds to build long-term wealth.
How does the SIP Calculator work?›
The calculator uses the compounding formula to project your total returns based on your monthly investment, expected rate of return, and duration.
Can I change my SIP amount later?›
Yes, most mutual funds allow you to increase, decrease, or pause your SIP anytime according to your financial situation.
Is SIP better than a lump-sum investment?›
SIP helps average out market volatility through rupee cost averaging, making it ideal for long-term investors who prefer steady investing over time.