SIP Calculator
Calculate returns from your Systematic Investment Plan (SIP). See how regular monthly investments grow over time with compound returns.
SIP Details
Amount you'll invest each month
Historical equity returns: 10-15% annually
Enter values and click Calculate to see results
How the SIP Calculator Works
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals. This calculator computes the future value of your monthly investments using compound growth. Each monthly installment earns returns for its remaining investment period.
FV = P × [((1+r)ⁿ - 1) / r] × (1+r)FV= Future value of the SIPP= Monthly investment amountr= Monthly rate of return (annual rate ÷ 12)n= Total number of monthly installmentsExample Scenarios
Conservative SIP
₹5,000/month for 10 years at 10% grows to ₹10.33 lakh — you invested ₹6L and earned ₹4.33L in returns.
Aggressive SIP
₹10,000/month for 20 years at 12% grows to nearly ₹1 crore — from just ₹24L invested.
Benefits of SIP
- Rupee Cost Averaging: Buy more units when prices are low, fewer when high
- Discipline: Automatic investments help build consistent saving habits
- Power of Compounding: Returns generate more returns over time
- Flexibility: Start with small amounts and increase over time
Start Early
The earlier you start your SIP, the more time your money has to grow. Even small monthly investments can grow into substantial wealth over decades.