SIP Calculator – Systematic Investment Plan Calculator
A SIP (Systematic Investment Plan) calculator helps you estimate how much your regular monthly investments could grow over time. Enter your monthly amount, expected return rate, and investment duration to see the projected corpus, total invested amount, and estimated returns.
- Invested
- Total Value
| Year | Invested | Returns | Total Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
What Your Results Mean
Your total invested amount is simply your monthly SIP multiplied by the number of months. The estimated returns represent the additional wealth generated through compounding. The future value is the total amount you could accumulate — the sum of your investments and returns.
What This Calculator Does
The SIP calculator takes your monthly investment amount, expected annual return rate, and investment period to project the future value of your investments. It uses the standard future value of annuity formula to compute results and shows you a detailed year-by-year breakdown.
How the Calculation Works
Every month, your SIP amount is invested and earns a compounded return. The calculator assumes a fixed monthly investment and a constant annual rate of return, compounded monthly. It projects your total invested amount, expected returns, and final corpus at the end of your chosen period.
Calculation Logic (Simplified)
FV = P × [((1 + r)^n - 1) / r] × (1 + r), where P = monthly investment, r = monthly rate of return (annual rate / 12), n = total number of months.Example Calculation
If you invest ₹10,000 per month for 10 years at 12% annual return, your total investment would be ₹12,00,000 and the estimated corpus would be approximately ₹23,23,391.
When to Use This Calculator
- You want to estimate how much your monthly mutual fund SIP will grow over time
- You're comparing different monthly amounts to find the right SIP for your goals
- You need to set a target corpus and want to know the required SIP amount
- You want to visualize the year-by-year growth of a disciplined investment plan
Common Mistakes to Avoid
- Assuming a fixed return rate — equity returns vary significantly year to year
- Ignoring the impact of inflation on the future value of your corpus
- Not increasing your SIP as your income grows — consider a step-up SIP instead
- Starting too late — even a few years of delay can significantly reduce your final corpus
- Stopping SIP during market downturns — volatility is where rupee cost averaging works best
Benefits & Use Cases
- Plan your monthly investments with clarity
- Understand the power of compounding over long periods
- Compare different investment amounts and durations
- Make informed decisions about mutual fund SIPs
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Assumptions and Limitations
Assumptions
- Returns are compounded monthly at a constant annual rate throughout the investment period
- The SIP amount remains the same every month for the entire duration
- No account is taken of exit loads, expense ratios, or taxes on gains
- Investments are made at the beginning of each month
Limitations
- Actual mutual fund returns fluctuate based on market conditions and are never constant
- Tax on capital gains (LTCG/STCG) is not factored into the projected value
- Expense ratios and fund management fees will reduce your effective returns
- The calculator does not account for missed or delayed SIP installments
- Inflation erodes the real purchasing power of the projected corpus
Frequently Asked Questions
What to Do Next
Now that you have your results, explore related tools to refine your financial plan. Try comparing different scenarios or use our other calculators for a more complete picture.
Disclaimer: These calculations are for educational and planning purposes only. Actual investment returns vary based on market conditions, product choice, fees, taxes, and individual circumstances. This tool does not constitute financial advice. Consider consulting a qualified financial advisor for decisions specific to your situation.