💰 Financial
SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP). Enter your monthly investment, expected return rate, and time period to estimate your wealth accumulation and total returns.
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Formula
FV = P × [((1 + i)^n - 1) / i] × (1 + i)FV- Future Value or Maturity Amount
P- Amount invested per period (Monthly SIP)
i- Periodic interest rate (Annual Rate / 12)
n- Number of payments (Years × 12)
Example
Monthly SIP Calculation
Investing ₹5,000 monthly for 10 years at 12% expected annual return.
- Monthly investment (P) = 5,000
- Monthly rate (i) = 12% / 12 = 1% = 0.01
- Total months (n) = 10 × 12 = 120
- Future Value = 5000 × [((1 + 0.01)^120 - 1) / 0.01] × (1 + 0.01)
- FV = 5000 × [(3.3003 - 1) / 0.01] × 1.01
- FV = 1,161,695.38 (approximate maturity value)
Frequently Asked Questions
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (e.g., monthly) in a mutual fund or other investment scheme.
This calculator assumes end-of-period investments, meaning the first investment is made at the end of the first month.