SIP Calculator
Calculate Systematic Investment Plan returns
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SIP Details
₹
Amount to invest every month
% p.a.
Expected rate of return (typically 10-15%)
years
How long you plan to invest
Investment Summary
Maturity Value
₹1,161,695.38
Total amount at maturity
Total Investment
₹600,000.00
Amount you invest
Estimated Returns
₹561,695.38
Wealth gained
Investment vs Returns
51.6%
Invested
48.4%
Returns
Year-by-Year Breakdown
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹60K | ₹4K | ₹64K |
| 2 | ₹120K | ₹16K | ₹136K |
| 3 | ₹180K | ₹38K | ₹218K |
| 4 | ₹240K | ₹69K | ₹309K |
| 5 | ₹300K | ₹112K | ₹412K |
| 6 | ₹360K | ₹169K | ₹529K |
| 7 | ₹420K | ₹240K | ₹660K |
| 8 | ₹480K | ₹328K | ₹808K |
| 9 | ₹540K | ₹434K | ₹974K |
| 10 | ₹600K | ₹562K | ₹1162K |
How SIP Works
SIP works on the principle of rupee cost averaging and the power of compounding. When you invest regularly, you buy more units when prices are low and fewer when prices are high, averaging out your cost.
SIP Formula
FV = P × ((1 + r)^n - 1) / r) × (1 + r)
Where:
- FV = Future Value
- P = Monthly investment amount
- r = Monthly rate of return
- n = Number of months
Power of Long-term Investing
The longer you stay invested, the more powerful compounding becomes. Even small monthly amounts can grow into substantial wealth over 15-20 years.
Frequently Asked Questions
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