Calculator.CL Logo
Calculator.CL Free Online Calculator
Menu
Wealth Builder

SIP Calculator

Plan your financial future with precision. Visualize the power of compounding on your mutual fund investments.

Growth
Track Returns
Compare
SIP vs Lumpsum
5000
12 %
10 Years
Yr

Total Value

11,61,695
Invested Amount 6,00,000
Est. Returns 5,61,695

Wealth Created

1.9x your investment!

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds. Instead of investing a large lump sum amount at once, you invest small, fixed amounts at regular intervals (usually monthly). This allows you to build wealth over time through the power of compounding.

Key Benefits

💡 Rupee Cost Averaging

You buy more units when markets are low and fewer when they are high, averaging out your cost.

📈 Power of Compounding

Reinvesting your returns generates earnings on earnings, growing your wealth exponentially.

🧘 Discipline

Automated investments ensure you save first before spending, fostering good financial habits.

💰 Flexibility

Start with as little as ₹500/month. Stop or increasing investments whenever you want.

How SIP Returns are Calculated

The SIP calculator uses the future value of an annuity formula to determine the maturity amount:

FV = P × [ (1 + i)^n - 1 ] × (1 + i) / i
  • FV: Future Value
  • P: Monthly Investment Amount
  • n: Number of months
  • i: Periodic Interest Rate (Annual Rate / 12 / 100)