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SIP Calculator

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Calculate the future wealth generated by Systematic Investment Plans in mutual funds

Investment Inputs

500 2,00,000
%
Years
Calculation Result
Total Expected Wealth
₹11,61,695
Maturity amount at end of tenure
Loading visualization...
Invested Amount
₹6,00,000
Est. Returns
₹5,61,695

How this calculator works

1

Enter the monthly amount you plan to invest regularly.

2

Enter your expected annual return rate (typically 12% - 15% for long-term equity).

3

Select investment duration in years to visualize estimated wealth and invested capital.

Formula & Mathematics

SIP Future Value Formula
FV = P × [((1 + i)ⁿ - 1) / i] × (1 + i)

Where P is monthly investment, i is monthly return rate (r / 12 / 100), and n is the total number of monthly payments.

Worked Example

₹5,000/month for 15 Years at 12% Expected Return

Disciplined monthly SIP of ₹5,000 for 15 years (180 monthly installments).

Total amount invested: ₹5,000 × 180 = ₹9,00,000
Estimated return rate: 12% compounded monthly
Maturity Value: ~₹25,22,880
Your ₹9 Lakhs investment grows to over ₹25.2 Lakhs, generating ₹16.2 Lakhs in gains.

Frequently Asked Questions

SIP is an investment route that allows you to invest fixed amounts at regular intervals (typically monthly) into mutual funds, harnessing rupee cost averaging and compounding.

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