SIP Calculator

Calculate the future value of your SIP investments based on monthly contribution, expected rate of return, and investment duration.

Monthly Investment (₹)

Expected Return Rate (%)

Investment Period

Key Takeaways & Quick Facts

Primary Purpose

Estimate returns on Systematic Investment Plan (SIP) investments.

Execution Environment

100% Client-Side In-Browser (Zero Cloud Uploads)

Standard Verification

Calculations tested against standard benchmarks

How to Use SIP Calculator

Enter the amount you plan to invest every month.
Enter the expected annual return percentage.
Enter the duration of your investment in years or months.
Click "Calculate" to see the estimated future value, total invested, and estimated returns.
View the year-by-year breakdown table to see how your investment grows over time.

How it Works

The SIP Calculator uses the standard compound interest formula adapted for regular monthly contributions. It calculates the future value by applying the monthly interest rate to each accumulated monthly deposit. Because each deposit earns interest for a different length of time, the formula accounts for the compounding effect on every single installment.

Future Value = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r) Where: P = Monthly investment r = Monthly rate of return (Annual Rate ÷ 12 ÷ 100) n = Total number of months

Examples

Input: Monthly: ₹5,000, Return: 12%, Time: 10 years

Result: Invested: ₹6,00,000 | Returns: ₹5,61,695 | Total: ₹11,61,695

Frequently Asked Questions

What is a SIP?

SIP (Systematic Investment Plan) is a method of investing a fixed sum regularly in a mutual fund scheme. It allows you to buy units on a given date each month, helping you benefit from rupee cost averaging and the power of compounding.

Are SIP returns guaranteed?

No. SIPs are typically investments in market-linked mutual funds, which are subject to market risks. The expected return rate you enter in this calculator is merely an assumption for estimation purposes. Actual returns may be higher or lower depending on market performance.

What is the power of compounding in SIP?

Compounding means you earn returns not just on your original investment, but also on the returns accumulated in previous periods. Over long durations (like 10-20 years), compounding significantly accelerates wealth creation.

What is the difference between total invested and estimated returns?

"Total Invested" is the sum of all your monthly deposits from your own pocket. "Estimated Returns" is the profit or growth generated by those investments over the specified period.

Note: This calculator is for illustrative purposes only and provides mathematical estimates based on the assumed rate of return. It does not represent actual performance of any specific investment product. Mutual fund investments are subject to market risks.

Formula Audited & Client-Side Private

Calculations are verified against standard mathematical and banking benchmarks. Data stays on your device in local memory.

Our Verification Standards →