Systematic Investment Plan (SIP) Calculator
Use our free SIP Calculator to estimate the future value of your investments with monthly SIP contributions. Ideal for mutual fund investors and financial planners looking to plan ahead efficiently.
Calculations are based on standard financial formulas.
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SIP Investment Growth Chart
The SIP calculator displays your investment growth as an interactive chart. Choose from three views:
- Donut Chart — Donut chart — shows the split between total amount invested and total returns earned as a percentage of the final corpus.
- Line Chart — Line graph — plots your SIP corpus value year by year, showing how compounding accelerates growth over time.
- Bar Chart — Bar chart — displays the annual growth of your SIP investment, making it easy to compare early vs late-stage returns.
All three chart types update instantly when you change the monthly investment, return rate, or duration.
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How to Use the SIP Calculator
The SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your mutual fund investments made monthly. This is ideal for anyone planning long-term wealth creation.
- Monthly Investment: The fixed amount you plan to invest every month (e.g., ₹5,000).
- Expected Annual Return Rate: The estimated yearly rate of return (e.g., 12%).
- Investment Duration: How long you plan to continue the SIP, in years (e.g., 10 years).
After clicking Calculate, the tool will compute your expected maturity amount using the compound interest formula applicable to monthly investments.
SIP Calculator FAQs
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator estimates the future value of regular monthly investments in mutual funds. It uses the compound interest formula for recurring investments: FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P is the monthly investment, r is the monthly return rate, and n is the total months.
How are SIP returns calculated?
SIP returns are calculated using the compound interest formula for recurring deposits. Each monthly instalment earns compounded returns for the remaining investment period. The calculator sums up the future value of all monthly investments.
What is the difference between SIP and lump sum investment?
SIP invests a fixed amount every month, averaging out market volatility (rupee cost averaging). Lump sum invests the entire amount at once. SIP is better for salaried investors; lump sum can be better when markets are low.
Popular SIP Calculations
Pre-calculated results for the most searched SIP queries — click any to see the exact corpus instantly.
- ₹500/month for 10 years at 12% = ₹1.16 L corpus
- ₹1,000/month for 10 years at 12% = ₹2.32 L corpus
- ₹1,000/month for 15 years at 12% = ₹5.05 L corpus
- ₹1,000/month for 20 years at 12% = ₹9.99 L corpus
- ₹2,000/month for 10 years at 12% = ₹4.65 L corpus
- ₹3,000/month for 10 years at 12% = ₹6.97 L corpus
- ₹5,000/month for 5 years at 12% = ₹4.12 L corpus
- ₹5,000/month for 10 years at 12% = ₹11.62 L corpus
- ₹5,000/month for 15 years at 12% = ₹25.23 L corpus
- ₹5,000/month for 20 years at 12% = ₹49.96 L corpus
- ₹10,000/month for 10 years at 12% = ₹23.23 L corpus
- ₹10,000/month for 15 years at 12% = ₹50.46 L corpus
- ₹10,000/month for 20 years at 12% = ₹99.91 L corpus
- ₹10,000/month for 10 years at 15% = ₹27.87 L corpus
- ₹20,000/month for 10 years at 12% = ₹46.47 L corpus
- ₹50,000/month for 10 years at 12% = ₹1.16 Cr corpus