SIP Calculator

Calculate your Systematic Investment Plan returns and build wealth over time

Increase your monthly investment by this percentage every year (0% for no step-up)

📊 What is SIP?

Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount at regular intervals (usually monthly). It helps in:

  • Rupee cost averaging - buying more units when prices are low
  • Power of compounding - earning returns on your returns
  • Disciplined investing - building wealth systematically
  • Flexibility - start with as low as ₹100 per month

🧮 Formula Used

Future Value = P × [((1 + r)^n - 1) / r] × (1 + r)

Where:

  • P = Monthly investment amount
  • r = Monthly rate of return (annual rate / 12 / 100)
  • n = Total number of months (years × 12)

💡 Example

If you invest ₹5,000 per month for 10 years at an expected return of 12% per annum:

  • Total Investment: ₹6,00,000
  • Estimated Returns: ₹5,50,757
  • Maturity Value: ₹11,50,757

Your money nearly doubles in 10 years!

Disclaimer

Past performance is not indicative of future results. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.