SIP Calculator
The SIP Calculator estimates the future value of a monthly Systematic Investment Plan, showing how regular mutual-fund contributions can grow through compounding over the years.
The power of regular investing
A SIP invests a fixed amount every month. Its future value uses the compound growth formula for a series of payments: FV = P × ((1+i)n − 1) / i × (1+i), where P is the monthly amount, i is the monthly return (annual ÷ 12), and n is the number of months. The result separates your total invested amount from the estimated gains.
Why start early
Because returns compound on earlier returns, time matters more than amount. Investing a smaller sum for longer often beats a larger sum started late. Try changing the tenure to see how dramatically the final corpus shifts. For a one-time investment instead of monthly, use the Lumpsum Calculator.
Frequently Asked Questions
What return rate should I assume?
Equity funds are often modelled at around 10-12% annually over the long term, but returns are not guaranteed. Use a conservative figure and treat the result as an estimate.
Is the SIP return guaranteed?
No. Mutual fund returns depend on market performance and can vary. The calculator projects a scenario based on the rate you assume.
What is the difference between SIP and lumpsum?
A SIP invests a fixed amount every month, spreading out market timing risk; a lumpsum invests one amount at once. Use the Lumpsum Calculator for the latter.
Does it separate my contributions from the gains?
Yes. It shows the total you invested and the estimated wealth gained on top, so you can see the effect of compounding.
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