SIP Calculator
Plan systematic investments with projected returns, total value, and wealth accumulation over time.
FAQ
SIP Calculator FAQ
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It helps in rupee cost averaging and building wealth over time through compounding.
How is SIP return calculated?
The formula is: M × ((1+r)^n - 1) / r × (1+r), where M is monthly investment, r is monthly return rate (annual/12/100), and n is total months. It assumes returns are compounded monthly.
Are the returns guaranteed?
No. SIP returns shown are estimates based on the expected annual return rate you enter. Actual mutual fund returns vary based on market performance and are not guaranteed.
What is a good expected return rate to use?
Historically, Indian equity mutual funds have returned 12–15% annually over 10+ years. Debt funds return 6–8%. Use 12% for balanced estimates, but past performance does not guarantee future results.
Is SIP better than lump sum investing?
SIP reduces timing risk through rupee cost averaging — you buy more units when prices are low and fewer when prices are high. It is ideal for salaried individuals investing regularly.
Free SIP Calculator — Plan Your Investments
Plan your mutual fund investments with our free SIP (Systematic Investment Plan) calculator. Enter your monthly investment amount, expected annual return rate, and investment duration to see the projected wealth accumulation, total amount invested, and estimated returns. SIP investing helps build wealth through rupee cost averaging and the power of compounding. Use this calculator to set investment goals, compare different SIP scenarios, and understand how small monthly investments grow over time.
How to Use This Tool
- Enter your planned monthly SIP investment amount.
- Enter the expected annual return rate (e.g., 12%).
- Enter the investment duration in years.
- View projected total value, invested amount, and estimated returns.
Key Features
- Compound interest calculation with monthly contributions
- Visual breakdown of invested amount vs. returns
- Flexible inputs for amount, rate, and duration
- Helps plan long-term wealth accumulation goals
- Educational information about SIP investing
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