SIP (Systematic Investment Plan) Calculator

SIP is a disciplined way to invest a fixed amount regularly in mutual funds. This calculator projects maturity values using compounding, helping plan long-term goals like retirement or education.

Formula

FV = P × [((1 + r/n)^(n×t) − 1) ÷ (r/n)] × (1 + r/n)

P — Installment amount
r — Annual return rate
n — Compounding frequency
t — Number of years

Example Calculation

₹5,000/month, r = 12% p.a., t = 10 years

Result: Future Value ≈ ₹11.6 lakhs

Practical Uses

Retirement planning
Child education fund
Wealth creation

Monthly Contribution

Expected Annual Return (%)

Duration

Unit

Currency

Locale

Projection

Invested Amount

₹6,00,000.00

Estimated Returns

₹5,61,695.38

Total Value

₹11,61,695.38

Duration (months)

120

* Assumes monthly investment and constant rate.

FAQs

Are SIP returns guaranteed?

No. Returns depend on market performance.

Change SIP amount later?

Usually yes; check with your fund.

What if markets fall?

SIPs average cost over time; returns may vary.

Disclaimer

Informational only. Investments are subject to market risks.