SIP Calculator
₹
Years
%
Final Value
₹ 11,89,828
Invested Amount
₹ 4,50,000
Estimated Returns
₹ 7,39,828
₹
Years
%
Target Amount
₹ 5,00,000
Monthly Investment
₹ 1,051
Estimated Returns
₹ 3,10,897
Frequently Asked Questions
A SIP Calculator is a digital tool that helps investors estimate the future value of their systematic investments. SIP or Systematic Investment Plan, allows you to invest a fixed amount at regular intervals (usually monthly) in mutual funds. Over time, these small and consistent contributions grow into substantial wealth through the power of compounding. The calculator provides a quick projection of how your money will grow by taking into account: the monthly investment amount, the duration of investment (number of years) and the expected annual rate of return. This eliminates guesswork and gives investors a clear roadmap for planning their financial future.
An SIP Calculator is more than just a number-crunching tool. It can transform the way you plan and approach investing:
1) Set Financial Goals with Precision - Whether it's retirement, a child's education or buying a house, the calculator shows exactly how much you need to invest regularly to reach your goal.
2) Stay Motivated & Disciplined - By visualizing how your wealth grows over time, you're more likely to stay consistent with your SIP contributions.
3) Plan Realistically - It gives you an approximate return projection so that your expectations are aligned with market realities.
4) Compare Different Scenarios - You can try different amounts, tenures or return assumptions to see which plan works best for your future.
5) Time Value of Money - It demonstrates how starting early—even with smaller amounts—creates a larger corpus compared to starting later with bigger sums.
1) Set Financial Goals with Precision - Whether it's retirement, a child's education or buying a house, the calculator shows exactly how much you need to invest regularly to reach your goal.
2) Stay Motivated & Disciplined - By visualizing how your wealth grows over time, you're more likely to stay consistent with your SIP contributions.
3) Plan Realistically - It gives you an approximate return projection so that your expectations are aligned with market realities.
4) Compare Different Scenarios - You can try different amounts, tenures or return assumptions to see which plan works best for your future.
5) Time Value of Money - It demonstrates how starting early—even with smaller amounts—creates a larger corpus compared to starting later with bigger sums.
SIP Calculators work on the principle of compound interest. The formula used is: FV = P × [(1 + r/n)^(n × t) – 1] × (1 + r/n) / r/n. Where: FV = Future Value of investment, P = SIP amount, r = Annual rate of return (in decimal), n = Number of compounding periods per year (12 for monthly SIPs), t = Duration of investment (in years). Example: If you invest ₹10,000 per month for 10 years at an expected return of 12% per annum: Monthly investment = ₹10,000, Duration = 10 years (120 months), Expected return = 12% per annum, Future Value ≈ ₹23,23,391. So, your total investment of ₹12,00,000 grows into over ₹23 lakh—thanks to the power of compounding.
A systematic investment plan calculator ensures that your savings portfolio is as per your requirements and financial needs. Key advantages include: 1) Plan your investment based on the amount and tenure. 2) Use our Basic and Advanced Calculators as per your needs. 3) It helps you compute an estimation of the total value of investments at the end of your SIP tenure. 4) Shows accurate results and helps you save time required during a manual calculation.