SIP Calculator
Calculate Systematic Investment Plan (SIP) returns in mutual funds. Estimate wealth accumulation with monthly SIP investments, expected returns, and investment duration for goal-based planning.
PopularSIP Details
Amount to invest every month
Expected rate of return (typically 10-15%)
How long you plan to invest
Investment Summary
Investment vs 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.
📈 SIP Returns Comparison Table
Monthly SIP of ₹5,000 at Different Return Rates
| Years | 8% Return | 10% Return | 12% Return | 15% Return | 18% Return |
|---|---|---|---|---|---|
| 5 | ₹3.7 L | ₹3.9 L | ₹4.1 L | ₹4.4 L | ₹4.7 L |
| 10 | ₹9.2 L | ₹10.3 L | ₹11.6 L | ₹13.8 L | ₹16.6 L |
| 15 | ₹17.4 L | ₹20.6 L | ₹25.0 L | ₹32.5 L | ₹43.0 L |
| 20 | ₹29.6 L | ₹38.3 L | ₹50.0 L | ₹75.7 L | ₹1.17 Cr |
| 25 | ₹47.2 L | ₹66.5 L | ₹95.0 L | ₹1.70 Cr | ₹3.15 Cr |
| 30 | ₹73.5 L | ₹1.13 Cr | ₹1.77 Cr | ₹3.77 Cr | ₹8.56 Cr |
💰 Different SIP Amounts (20 Years @ 12%)
| Monthly SIP | Total Invested | Final Value | Returns | Wealth Created |
|---|---|---|---|---|
| ₹1,000 | ₹2.4 L | ₹10.0 L | ₹7.6 L | 4.2X |
| ₹2,500 | ₹6.0 L | ₹25.0 L | ₹19.0 L | 4.2X |
| ₹5,000 | ₹12.0 L | ₹50.0 L | ₹38.0 L | 4.2X |
| ₹10,000 | ₹24.0 L | ₹1.00 Cr | ₹76.0 L | 4.2X |
| ₹25,000 | ₹60.0 L | ₹2.50 Cr | ₹1.90 Cr | 4.2X |
| ₹50,000 | ₹1.20 Cr | ₹5.00 Cr | ₹3.80 Cr | 4.2X |
12% annual return over 20 years gives 4.2X returns!
🎯 Goal-Based SIP Planning
| Goal | Target Amount | Monthly SIP (15 yrs @ 12%) | Monthly SIP (20 yrs @ 12%) |
|---|---|---|---|
| Child Education | ₹25 L | ₹5,000 | ₹2,500 |
| House Down Payment | ₹50 L | ₹10,000 | ₹5,000 |
| Retirement Corpus | ₹1 Cr | ₹20,000 | ₹10,000 |
| Financial Freedom | ₹2 Cr | ₹40,000 | ₹20,000 |
| Crorepati Dream | ₹5 Cr | ₹1,00,000 | ₹50,000 |
Frequently Asked Questions
⚠️ Important Disclaimer
This SIP calculator is for estimation purposes only. Mutual fund investments are subject to market risks. Past performance does not guarantee future returns. SIP returns shown are projections based on expected returns and may vary significantly. Actual returns depend on fund performance, market conditions, and economic factors. Always read scheme-related documents carefully before investing. Consult with a qualified financial advisor before making investment decisions. This calculator does not constitute investment advice.
Calculate SIP (Systematic Investment Plan) returns for mutual fund investments using our free SIP calculator. Estimate wealth accumulation through monthly SIP investments with expected returns and investment duration. Perfect for goal-based financial planning, retirement savings, and understanding the power of compounding through disciplined monthly investing.
✅ Common Use Cases
- Plan retirement savings through monthly SIP investments
- Calculate SIP amounts needed to achieve financial goals
- Compare SIP returns across different mutual fund schemes
- Understand wealth accumulation over long investment horizons
💡 Key Benefits
- Shows year-by-year SIP growth and returns breakdown
- Compares SIP vs lump sum investment strategies
- Calculates expense ratio impact on final returns
- Displays CAGR and XIRR for accurate return analysis
How to Use SIP Calculator
Choose your calculator
Navigate to the SIP Calculator page and familiarize yourself with the input fields.
Enter your values
Input your data into the calculator fields. All inputs are validated in real-time.
View instant results
The calculator instantly displays comprehensive results with detailed breakdowns.
🔬 How SIP Calculator Works
📐 Formula
SIP Calculator Calculation Formula: The SIP Calculator employs validated mathematical formulas and computational algorithms specifically designed for financial calculations involving interest rates, payments, returns, and investment analysis. The calculation process takes your input values and applies industry-standard formulas to produce accurate, reliable results. Each input parameter influences the final result according to established mathematical principles, ensuring consistency and accuracy across all calculations.
Variables:
- Input Values: The specific data points you provide to the SIP Calculator, such as amounts, rates, measurements, or other relevant parameters needed for the calculation
- Calculation Function: The mathematical formula or algorithm that processes your inputs according to established principles and industry standards
- Result: The calculated output value, which may include primary results, intermediate calculations, and detailed breakdowns to help you understand the computation
📋 Step-by-Step Calculation Process
Gather Required Information
Before using the SIP Calculator, identify all the values you need for the calculation. Review the input fields to understand what information is required, including units of measurement, time periods, or other relevant parameters. Having accurate input data ensures reliable results.
Enter Your Values
Input your information into the SIP Calculator fields. The calculator provides clear labels, helpful placeholders, and real-time validation to guide you. As you type, the calculator checks for valid inputs and highlights any errors immediately, ensuring you enter correct values before calculation.
Review and Verify Inputs
Double-check all entered values for accuracy. Verify that numbers are correct, units match (e.g., dollars vs. cents, months vs. years), and all required fields are filled. The calculator will alert you to any missing or invalid inputs before proceeding with calculations.
Calculate and Analyze Results
The SIP Calculator processes your inputs instantly using validated formulas and algorithms. Results appear immediately with detailed breakdowns, intermediate calculations, and clear explanations. Review all result metrics to fully understand the calculation and its implications for your specific situation.
Interpret and Apply Results
Use the detailed result breakdowns and explanations to understand what the calculations mean for your situation. Compare different scenarios by adjusting inputs, and use the insights gained to make informed decisions. The calculator provides context and explanations to help you interpret results accurately.
⌨️ Understanding Input Fields
The main data points required for the SIP Calculator calculation. These values typically include amounts, rates, time periods, measurements, or other parameters specific to financial calculations involving interest rates, payments, returns, and investment analysis. Each input field is clearly labeled with its purpose and expected format.
Optional or secondary inputs that may affect the calculation results. These parameters allow you to customize the calculation for your specific needs and compare different scenarios.
📊 Understanding Your Results
The SIP Calculator delivers comprehensive calculation results with detailed breakdowns and clear explanations. Each result metric is labeled and explained to help you understand not just what the numbers are, but what they mean for your specific situation. The calculator provides context, comparisons, and actionable insights based on financial calculations involving interest rates, payments, returns, and investment analysis principles, enabling you to make informed decisions with confidence.
Key Metrics Explained:
- Primary Calculation Result: The main output value from the SIP Calculator, representing the primary calculation you requested. This result is calculated using validated formulas and algorithms, ensuring accuracy and reliability. Understanding this primary result helps you make informed decisions about financial calculations involving interest rates, payments, returns, and investment analysis.
- Supporting Calculations: Additional metrics and breakdowns that provide context and deeper insights into the SIP Calculator results. These supporting calculations help you understand the complete picture, including intermediate values, percentages, comparisons, and other relevant metrics that enhance your understanding of the primary result.
- Detailed Breakdowns: Comprehensive explanations and step-by-step breakdowns showing how the SIP Calculator arrived at each result. These breakdowns help you verify calculations, understand the underlying formulas, and gain confidence in the results for financial calculations involving interest rates, payments, returns, and investment analysis.
What to Do Next:
- Review the results carefully to ensure they match your expectations
- Use the results to make informed decisions or plan next steps
- Experiment with different input values to see how they affect results
- Share or save results for future reference if needed
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