Calculators·💰

SIP Calculator

Calculate the future value of systematic monthly investments using compound interest.

Invested amount₹12,00,000
Estimated gains₹11,23,391
Total value₹23,23,391
Absolute return93.62%
48%
Gains: ₹11,23,391
Invested: ₹12,00,000

SIP Calculator

A SIP (Systematic Investment Plan) calculator projects the future value of a fixed monthly investment growing at a compounded annual return, using the standard SIP future-value formula.

Formula

FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P is the monthly investment, r is the monthly rate (annual rate ÷ 12), and n is the number of months.

Worked example

Input: ₹10,000/month for 10 years at 12% annual return

Result: Future value ≈ ₹23.23 lakh (₹12 lakh invested, ≈₹11.23 lakh in gains)

Frequently asked

Does a SIP calculator guarantee these returns?

No. The 12% (or any rate you enter) is an assumption you provide — actual mutual fund or stock returns vary and are never guaranteed.

Is SIP better than a lumpsum investment?

Neither is universally better — SIP averages your purchase price over time (rupee-cost averaging) and suits monthly savers; a lumpsum benefits more when markets are rising steadily. Compare both with the Lumpsum Calculator.

SIP Calculator: how it works

A SIP (Systematic Investment Plan) calculator finds what a fixed monthly investment grows to over time, assuming a constant annual return compounded monthly.

Formula

FV = P × ((1 + i)^n − 1) / i × (1 + i), where P is the monthly instalment, i the monthly rate (annual ÷ 12 ÷ 100) and n the number of instalments.