SIP Calculator
Estimate your SIP returns quickly. Enter monthly SIP amount, expected annual return, and duration.
Show amortization schedule
| Month | Investment | Maturity Value | Gain |
|---|
M = P × [((1+r)^n - 1)/r] × (1+r) where r = monthly rate (annual/12/100) and n = total months. Results are estimates and depend on the assumed return rate.A Systematic Investment Plan (SIP) is one of the most popular and effective ways to invest in mutual funds. It allows investors to invest a fixed amount every month in a disciplined manner. If you are planning to start an SIP, using an SIP Calculator helps you estimate your future returns and plan your financial goals better.
In this guide, you will learn:
- What is SIP?
- How the SIP calculator works
- Benefits of SIP
- Example calculations
- How to use our online SIP calculator
What is SIP?
SIP (Systematic Investment Plan) is a method of investing money in mutual funds at regular intervals, usually monthly. Instead of investing a lump sum amount at once, SIP allows you to invest in small amounts, which makes investing more affordable and less risky.
Key Features of SIP:
- Invest monthly or quarterly
- Low entry amount (as low as ₹100)
- Reduces market timing risk
- Suitable for long-term wealth creation
What is an SIP Calculator?
An SIP Calculator is an online financial tool that helps you estimate the future value of your investments based on:
- Monthly investment amount
- Expected rate of return
- Duration of investment
It gives you:
✔ Total amount invested
✔ Estimated maturity value
✔ Estimated wealth gained (profit)
This helps you plan your investments smartly.
Example Calculation
Suppose you invest:
- ₹2,000 per month
- Expected return 12% per year
- Duration 10 years
Then:
- Total invested = ₹2,000 × 120 = ₹2,40,000
- Estimated maturity value ≈ ₹4,33,000
- Wealth gained ≈ ₹1,93,000
This shows how SIP grows your money with compounding.
Benefits of Using an SIP Calculator
| Benefit | Description |
|---|---|
| Easy Financial Planning | Helps you see future returns clearly |
| Goal-Based Investing | Plan for house, education, retirement, travel |
| Avoid Guesswork | Gives accurate projections |
| Compare SIP Options | Choose the best plan based on expected returns |
How to Use Our SIP Calculator
Using the SIP calculator is very simple:
- Enter your monthly investment amount
- Enter the expected annual return (%)
- Select the investment duration (years)
- The calculator will instantly show:
- Total amount invested
- Estimated maturity value
- Total wealth gained
Try adjusting the values to see which plan fits your financial goals.
Who Should Use the SIP Calculator?
This tool is helpful for:
- Students saving early
- Working professionals planning retirement
- Parents planning education funds
- Anyone wanting to build wealth steadily
Tips for Better SIP Returns
- Stay invested for the long-term (minimum 5–10 years)
- Avoid stopping SIPs during market fluctuations
- Increase SIP amount every year as income grows
- Choose mutual funds with consistent performance
Conclusion
An SIP Calculator is a must-have tool for every mutual fund investor. It helps you understand how much your investments can grow over time and enables smarter financial planning.
If you want to build wealth slowly and steadily, SIP is one of the best investment methods available today.
FAQ (Schema Boost for RankMath)
Q1. Is SIP safe?
Yes. SIP reduces market timing risk and works best in the long term.
Q2. Can I stop SIP anytime?
Yes. SIPs are flexible and can be paused or stopped whenever needed.
Q3. Minimum amount needed for SIP?
You can start SIP with as little as ₹100 per month.
