SIP Calculator
A SIP calculator is a simple tool that allows individuals to get an idea of the returns on their mutual fund investments made through SIP.
Systematic Investment Plan Calculator
Enter your investment parameters to calculate returns
How to Use the SIP Calculator
👉 Step-by-step guide
Start by entering the amount you plan to invest every month in the SIP input field above. This is your monthly contribution.
Enter the expected annual rate of return (based on your mutual fund or investment) and select the SIP tenure in months or years. This helps calculate your expected wealth accurately.
Click the Calculate button to instantly view your SIP maturity amount, total investment, and wealth gain at the expected return rate.
You can modify the monthly investment, expected return, or tenure to compare different SIP scenarios and choose the most suitable investment plan.
About SIP Calculator
SIP Calculator - Systematic Investment Plan Calculator
The SIP Calculator can help you determine the estimated value of the returns. Prospective investors can think that SIPs and mutual funds are the same. However, SIPs are merely a method of investing in mutual funds, the other method being a lump sum. A Systematic Investment Plan or SIP is a process of investing a fixed sum of money in mutual funds at regular intervals. SIPs usually allow you to invest weekly, quarterly, or monthly.
What is a SIP Calculator?
A SIP calculator is a simple tool that allows individuals to get an idea of the returns on their mutual fund investments made through SIP. SIP investments in mutual funds have become one of the most popular investment options for millennials lately.
These mutual fund sip calculators are designed to give potential investors an estimate on their mutual fund investments. However, the actual returns offered by a mutual fund scheme varies depending on various factors. The SIP calculator does not provide clarification for the exit load and expense ratio (if any).
This calculator will calculate the wealth gain and expected returns for your monthly SIP investment. Indeed, you get a rough estimate on the maturity amount for any of your monthly SIP, based on a projected annual return rate.
How can a SIP return calculator help you?
SIPs are a more lucrative mode of investing funds compared to a lump sum amount according to several mutual fund experts. It helps you become financially disciplined and create a habit of savings that can benefit you in the future.
A SIP calculator online is a beneficial tool, which shows the estimated returns you will earn after the investment tenure.
What Makes Our SIP Calculator Unique?
- Accurate SIP Calculations - Calculates expected corpus and total investment using the precise compound interest formula for systematic investments.
- Real-Time Results - Get instant updates as you adjust monthly investment, expected return, or tenure. No waiting or manual calculation needed.
- Customizable Inputs - Modify monthly SIP amount, expected annual return, and investment duration to see how your wealth grows over time.
- Visual Growth Charts - View a clear graphical representation of your SIP corpus, showing principal vs expected returns for better understanding.
- Compare Multiple Scenarios - Easily compare different SIP plans or investment strategies to identify the most suitable option.
- Plan Your Investments Smartly - Understand how changes in monthly contribution, return rate, or tenure affect your final corpus.
- User-Friendly & Mobile Optimized - Enjoy a seamless experience on desktop, tablet, or smartphone while planning your SIPs.
- Completely Free to Use - No registration or downloads required. Calculate your SIP corpus anytime, anywhere.
Use Cases for SIP Calculator
- Investment Planning: Estimate your future corpus and plan long-term financial goals effectively.
- Compare SIP Scenarios: Analyze different monthly investments, tenure, or expected returns to choose the best strategy.
- Wealth Growth Projection: Understand how regular investing and compounding grow your wealth over time.
- Retirement Planning: Forecast potential retirement corpus through systematic investments in mutual funds or other SIP options.
- Short-Term Goals: Evaluate SIP returns for short-term investments to meet specific financial targets.
- Financial Decision-Making: Use the calculator to make informed choices about contribution, tenure, and expected returns.
- Emergency Fund Planning: Determine how much to invest monthly to achieve liquidity and savings goals effectively.
Related Tools
SIP Calculator Formula
The maturity amount for a Systematic Investment Plan (SIP) is calculated using the compound interest formula:
A = P × [ ((1 + r / n)n × t - 1) / (r / n) ]
- A = Maturity Amount (Expected Corpus)
- P = Monthly SIP Investment
- r = Expected Annual Return Rate (in decimal, e.g., 12% = 0.12)
- n = Number of compounding periods per year (Monthly = 12)
- t = Time period in years
The estimated returns (profit earned) are calculated as:
Returns = A - (P × n × t)
Example
Example:
- Monthly SIP Investment (P): ₹1,000
- Expected Return Rate (r): 12% per annum
- Time Period (t): 5 years
- Compounding Frequency (n): Monthly (12 times per year)
Maturity Amount = 1000 × [ ((1 + 0.12 / 12)12 × 5 - 1) / (0.12 / 12) ] ≈ ₹82,486
Maturity Amount: ₹82,486
Total Invested: ₹1,000 × 12 × 5 = ₹60,000
Estimated Returns: ₹22,486
💡 If you invest ₹1,000 every month for 5 years in a SIP with an expected annual return of 12%, your investment will grow to ₹82,486, with an estimated profit of ₹22,486.