SIP Calculator
Calculate the future value of your systematic investment plan with regular monthly investments.
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Total Invested
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Total Returns
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Wealth Gain
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Effective Rate
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Systematic Investment Plan (SIP)
SIP is an investment strategy where you invest a fixed amount regularly, benefiting from rupee cost averaging and compound growth.
SIP Formula
FV = P × [(1+i)^n - 1] / i × (1+i)
Where P = Monthly investment, i = Monthly rate, n = Number of months
Benefits of SIP
- Discipline: Regular investing builds wealth over time
- Rupee Cost Averaging: Buy more units when prices are low, fewer when high
- Power of Compounding: Long-term growth multiplies returns
- Low Entry Barrier: Start with small amounts
Example Growth
| Monthly SIP | 10 Years @12% | 20 Years @12% | 30 Years @12% |
|---|---|---|---|
| $100 | $23,234 | $99,915 | $352,991 |
| $500 | $116,169 | $499,577 | $1,764,956 |
| $1000 | $232,338 | $999,154 | $3,529,912 |
Frequently Asked Questions
What is step-up SIP?
Step-up SIP increases your monthly investment by a fixed percentage each year. As your income grows, you invest more, accelerating wealth creation.
Is 12% annual return realistic?
Historically, equity mutual funds have delivered 10-15% returns over long periods. However, past performance doesn't guarantee future returns. Use conservative estimates for planning.