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SIP Calculator � Systematic Investment Plan Returns & Wealth Projection

Calculate your SIP maturity amount with monthly investments.

✓ Formula verified: January 2026For informational purposes only
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SIP Calculator

Results update instantly as you type

Enter Values

%
years
Total Value
₹23.00L
↑ Gain
Total Invested₹12.00L
Total Returns₹11.00L
Wealth Chart Data[{"year":1,"value":126825.03},{"year":2,"value":269734.65},{"year":3,"value":430768.78},{"year":4,"value":612226.08},{"year":5,"value":816696.7},{"year":6,"value":1047099.31},{"year":7,"value":1306722.74},{"year":8,"value":1599272.93},{"year":9,"value":1928925.79},{"year":10,"value":2300386.89}]
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The Formula

FV = P × [((1 + r)^n - 1) / r]

SIP uses the future value of an annuity formula to calculate the maturity amount for regular monthly investments.

Variable Definitions

P

Monthly Investment

Fixed amount invested every month

r

Monthly Rate

Annual return rate divided by 12

n

Total Months

Investment period in months

How to Use This Calculator

  1. 1

    Enter your monthly investment amount.

  2. 2

    Enter your expected annual return rate.

  3. 3

    Enter the investment time period in years.

  4. 4

    View your total value, total invested, and total returns.

Common Applications

  • Build retirement corpus through long-term equity mutual fund investments
  • Save for children's education or marriage expenses
  • Create wealth through disciplined regular investing

Understanding the Concept

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds or other investment vehicles. The power of compounding and rupee cost averaging work together to build wealth over time. The longer you stay invested, the more powerful the compounding effect becomes.

Frequently Asked Questions

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