SIP Calculator

Estimate your monthly SIP returns and wealth gained.

🔒 Everything runs in your browser — nothing is uploaded
Invest at month:
₹
%
Yr

Your Investment Results

Invested amount, estimated returns and total value:

Invested amount

₹

Est. return

₹

Total value

₹

SIP Growth Schedule

Year Total Contribution Returns Earned Closing Balance

What is a SIP Calculator?

A Systematic Investment Plan (SIP) calculator helps you estimate the future value of your monthly investments. By entering your contribution amount, expected annual return rate, and investment tenure, you can quickly know the wealth you are likely to create. This tool is useful for planning long-term financial goals such as buying a house, funding education, or retirement planning.

How does the SIP calculator work?

The calculator uses the compound interest formula to determine the maturity amount. Your total investment is multiplied over time with the expected annual return rate, adjusted monthly. The longer you invest, the higher your compounding benefits.

Frequently Asked Questions

What is SIP and how is it different from a lump sum investment? ▼
A SIP allows you to invest a fixed amount every month, while a lump sum means investing the entire amount in one go. SIPs help average out market volatility and encourage disciplined savings.
Can SIP returns be guaranteed? ▼
No. SIP returns depend on the performance of the mutual fund you choose. The calculator only gives an estimate based on the expected return rate, not a guaranteed figure.
What is the ideal tenure for a SIP? ▼
The longer you stay invested, the higher the compounding benefits. A SIP tenure of 10 years or more is generally considered ideal for wealth creation.
Can I modify or stop my SIP anytime? ▼
Yes. SIPs are flexible — you can increase, decrease, or stop them whenever you want without penalty. However, stopping early may affect your financial goals.

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