SIP Calculator - Systematic Investment Plan Calculator
Calculate your Systematic Investment Plan returns, maturity value, and wealth growth projections. Plan your financial future with accurate SIP calculations and investment schedules.
SIP Investment Details
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Enter investment details to see SIP returns
Get detailed projections of your systematic investment plan including maturity value, total returns, and year-wise growth schedule.
Key Features of Our SIP Calculator
Accurate SIP Calculations
Uses precise compound interest formulas to calculate your SIP maturity value and returns.
Growth Schedule
Detailed year-wise breakdown showing investment growth and compound interest accumulation.
Goal Planning
Plan your financial goals by adjusting investment amount, duration, and expected returns.
Export Results
Download your SIP calculation results as images or copy to clipboard for sharing.
Visual Analysis
Clear visualization of investment vs returns with detailed breakdown tables.
Free & Secure
Completely free to use with no registration required. Your data stays private and secure.
About Systematic Investment Plans (SIP)
A Systematic Investment Plan (SIP) is a disciplined approach to investing where you contribute a fixed amount at regular intervals, typically monthly, into mutual funds or other investment vehicles. This strategy helps in building wealth over time through the power of compounding and rupee cost averaging.
How SIP Calculations Work
SIP calculations use the power of compounding to grow your investments over time. The formula M × [(1 + r)^n - 1] / r × (1 + r) accounts for regular contributions and compound interest, showing how small, consistent investments can lead to significant wealth accumulation.
The growth schedule shows how your investment grows year by year, with both your contributed amount and the interest earned. This helps you visualize the long-term benefits of systematic investing and the power of starting early.
Benefits of SIP Investing
Rupee Cost Averaging
By investing a fixed amount regularly, you buy more units when prices are low and fewer when prices are high, reducing market volatility impact.
Power of Compounding
The earlier you start, the more time your money has to grow through compounding returns, exponentially increasing wealth.
Disciplined Investing
SIPs instill financial discipline by committing to regular investments regardless of market conditions.
Flexibility & Affordability
Start with small amounts (as low as Rs. 500) and increase your investment as your income grows.
Frequently Asked Questions (FAQ)
What is a SIP and how does it work?
SIP (Systematic Investment Plan) is a disciplined investment approach where you invest a fixed amount regularly (usually monthly) in mutual funds. It works through rupee cost averaging and compounding, helping you build wealth over time regardless of market volatility.
How is SIP return calculated?
SIP returns are calculated using the compound interest formula: M × [(1 + r)^n - 1] / r × (1 + r), where M is monthly investment, r is monthly return rate, and n is number of months. This accounts for regular investments and compounding growth.
What is the minimum amount to start SIP?
Most mutual funds allow SIP investments starting from Rs. 500 per month. However, some funds may have higher minimum amounts. It's recommended to start with an amount you can consistently invest without financial strain.
Can I change my SIP amount later?
Yes, most SIPs offer flexibility to increase, decrease, or pause your investments. You can typically modify your SIP amount through your fund house or investment platform, subject to minimum investment requirements.
What is the ideal SIP duration?
SIPs work best over longer periods (5+ years) due to the power of compounding and rupee cost averaging. For equity mutual funds, a minimum 5-7 year investment horizon is recommended to ride out market volatility and achieve better returns.
What returns can I expect from SIP?
SIP returns depend on the underlying mutual fund performance. Historically, equity mutual funds have delivered 10-15% annual returns over long periods, while debt funds typically provide 6-9% returns. Past performance doesn't guarantee future results.
Can I stop SIP anytime?
Yes, SIPs offer complete flexibility. You can stop, pause, or modify your SIP anytime without penalties. However, stopping early may impact your long-term wealth creation goals, so it's advisable to continue for the planned duration.
Is this SIP calculator accurate?
This calculator provides accurate projections based on the inputs provided and standard compound interest formulas. However, actual returns may vary due to market conditions, fund performance, and other factors. Use it as a planning tool rather than a guarantee.
How to Use the SIP Calculator
- 1
Enter Monthly Investment Amount
Input the amount you want to invest monthly in your SIP (minimum Rs. 500 recommended).
- 2
Set Expected Annual Return
Enter the expected annual return rate (typically 8-15% for equity mutual funds, 6-9% for debt funds).
- 3
Choose Investment Period
Select the duration for your SIP investment (recommended: 5+ years for better returns).
- 4
Calculate and Analyze Results
Click "Calculate SIP Returns" to get detailed projections including maturity value, total investment, returns, and growth schedule.