SIP Calculator
Calculate your SIP investment, estimated returns and future corpus.
Investment vs Estimated Profit
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SIP Calculator
A SIP Calculator helps investors estimate how much wealth they may accumulate by investing a fixed amount regularly in a mutual fund SIP. It shows the total amount invested, estimated returns and future value of the investment.
SIP Calculator Formula
The commonly used SIP formula is:
FV = P × [((1 + r)n − 1) / r] × (1 + r)
Where P is the periodic investment, r is the periodic rate of return and n is the total number of investment periods.
SIP Calculator Month Wise
A monthly SIP calculator helps you understand how regular monthly investments can grow over time. The calculation considers the investment amount, expected annual return and investment duration.
How SIP Formula Works
Each SIP contribution gets an opportunity to earn returns for the remaining investment period. As the investment continues, the accumulated amount can also generate additional returns through compounding.
Example of ₹5,000 Monthly SIP
Suppose an investor invests ₹5,000 every month for several years and assumes an annual return of 12%. The final value will depend on the investment period and the actual returns generated by the investment.
Why Use a SIP Calculator?
- Estimate your future SIP corpus.
- Understand total investment and estimated profit.
- Compare different investment periods.
- Plan your monthly investments.
- Understand the effect of SIP step-up.
SIP Calculator Month Wise Planning
Month-wise SIP planning can help investors understand how regular contributions build a long-term investment corpus. You can change the SIP amount, return, investment period and step-up percentage in the calculator above.
Important Note
SIP returns shown by the calculator are estimates based on the return rate entered by the user. Mutual fund returns are market-linked and actual returns can be higher or lower than the assumed rate.
How to Use the SIP Calculator
Enter your investment amount, choose your SIP frequency, add an annual step-up percentage if required, and enter the expected return and investment period. Click Calculate SIP to estimate your total invested amount, estimated returns, and potential future value..
What Is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in a mutual fund scheme. It helps investors invest consistently over time and can benefit from the power of compounding.
How SIP Returns Are Calculated
SIP returns are estimated based on the investment amount, investment frequency, expected annual return, investment period, and the effect of compounding. With an annual step-up, the investment amount increases by the selected percentage each year.
SIP Calculator Example
For example, if you invest ₹10,000 every month, earn an expected return of 12% per year, and increase your SIP by 10% every year for 10 years, the calculator estimates your invested amount, potential returns, and future value. Actual returns may vary based on market performance.
Important Note
This SIP calculator provides estimates for educational and financial planning purposes only. Mutual fund returns are market-linked and are not guaranteed. Actual returns may differ from the estimated figures. Please consider your financial goals and risk profile before investing.