SIP Calculator: Calculate Systematic Investment Plan Returns

Invest small, dream big. This SIP Calculator helps you calculate the future value of your monthly Mutual Fund investments. Whether you are planning for retirement, a child’s education, or your dream home, knowing your returns in advance helps you stay disciplined.

How does this SIP Calculator work?

This tool uses the standard compound interest formula used by all major Indian fund houses (SBI Mutual Fund, HDFC, Axis, etc.).

The Formula:

• FV: Future Value (Total Maturity Amount)

• P: Monthly Investment Amount (SIP)

• i: Monthly Interest Rate (Expected Return / 12)

• n: Number of months (Years × 12)

Why start an SIP?

1. Rupee Cost Averaging: You buy more units when markets are low and fewer when markets are high, averaging out your cost.
2. Power of Compounding: As seen in the calculator, investing for 10 years vs 20 years makes a massive difference. The interest earned in the later years often exceeds the actual amount invested!
3. Discipline: It forces you to save a fixed amount every month before you spend it.

Pro Tip: Experts suggest increasing your SIP amount by 10% every year (Step-up SIP) to reach your financial goals faster. Use the slider above to see how a small increase in contribution or tenure dramatically changes your Total Wealth.