SIP Calculator
Use this SIP (Systematic Investment Plan) calculator to see how much your monthly investments can grow. Enter the monthly amount, expected annual return, and tenure. Results update as you type. Assumes payments at the start of each month.
SIP investment dashboard
Plan a disciplined monthly SIP and see how small, consistent contributions grow into a long-term corpus.
SIP details
Result
Estimated maturity
₹ 11,61,695
- Total invested
- ₹ 6,00,000
- Wealth gained
- ₹ 5,61,695
💡 Smart Insight
Your money grows 1.9x over 10 years. Consider a longer tenure or higher SIP amount to benefit more from compounding.
Use this SIP (Systematic Investment Plan) calculator to see how much your monthly investments can grow. Enter the monthly amount, expected annual return, and tenure. Results update as you type. Assumes payments at the start of each month.
The future value of a SIP is calculated using the formula for the future value of an annuity: FV = P × [ ((1+r)^n − 1) / r ] × (1+r) when payments are at the start of each period, where P is the monthly investment, r is the monthly rate (annual rate ÷ 12), and n is the number of months. Returns are compounded monthly.
What is SIP?
SIP (Systematic Investment Plan) is when you invest a fixed amount at regular intervals (e.g. monthly) in a mutual fund or similar product. It helps with rupee-cost averaging and discipline.
Is the return guaranteed?
No. The calculator uses the expected return you enter. Actual returns depend on market performance and can vary.
Payment at start or end of month?
We assume payment at the start of each month, which is common for many SIPs. Slight differences in timing can have a small effect on the final value.
Smart insights
Contextual notes, tips, and explanations to help you interpret the result.
Smart SIP Insights
Start Early Advantage
Starting 5 years earlier can double your final corpus due to compounding.
Higher Return Impact
Even a 1% increase in annual return significantly increases long-term wealth.
Consider Step-Up SIP
Increasing SIP amount annually accelerates wealth growth.
Market Risk Warning
SIP investments are subject to market risks. Diversify wisely.
Inflation Check
Always target returns higher than inflation rate for real wealth growth.
Trust & transparency
Trust & Transparency
Standard Financial Formula
This SIP Calculator uses the standard future value formula used in financial planning and investment analysis.
No Data Storage
Your investment inputs are processed instantly in your browser. We do not store or share your financial data.
Return Assumption Disclaimer
Returns entered are assumed estimates. Mutual fund returns are market-linked and not guaranteed.
Educational Tool
This calculator is meant for planning and estimation purposes only.
Periodic Review
Our financial tools are periodically reviewed to ensure formula accuracy and relevance.