SIP Calculator
Calculate your Systematic Investment Plan returns with compound growth visualization
SIP Investment Examples
Long-term Wealth Creation
Monthly SIP: ₹10,000
Period: 20 years
Return: 12% p.a.
Investment: ₹24,00,000
Maturity Value: ₹1,03,23,970
Child Education Planning
Monthly SIP: ₹25,000
Period: 15 years
Return: 10% p.a.
Investment: ₹45,00,000
Maturity Value: ₹1,03,44,818
Retirement Planning
Monthly SIP: ₹50,000
Period: 25 years
Return: 12% p.a.
Investment: ₹1,50,00,000
Maturity Value: ₹8,92,45,341
SIP Calculation Formulas
SIP Future Value Formula
FV = P × ((1 + r)ⁿ - 1) × (1 + r) ÷ r
Where:
P = Monthly Investment
r = Monthly Return Rate
n = Total Number of Months
Inflation Adjusted Value
Real Value = FV ÷ (1 + i)ⁿ
Where:
FV = Future Value
i = Annual Inflation Rate
n = Number of Years
Net Returns After Tax
Net Returns = Returns × (1 - Tax Rate)
Tax is calculated on the gains (Future Value - Total Investment)
Benefits & Features
Our SIP calculator offers comprehensive benefits for investment planning:
Investment Planning
- Goal-based calculations
- Wealth projection
- Investment requirement analysis
- Return estimation
- Risk assessment tools
Financial Analysis
- Compound growth visualization
- Inflation impact analysis
- Tax benefit calculation
- Portfolio planning
- Investment comparison
Decision Support
- Multiple scenario analysis
- Investment timing optimization
- Goal tracking features
- Risk-return evaluation
- Investment strategy planning
Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
A SIP offers several advantages:
- Regular, disciplined investing
- Rupee cost averaging benefit
- Power of compounding
- Flexible investment amounts
- Automated investment process
- Long-term wealth creation
How does compounding work in SIP?
Compounding in SIP works through:
- Returns on initial investment
- Returns on accumulated returns
- Regular reinvestment of earnings
- Exponential growth over time
- Higher returns in later years
What factors affect SIP returns?
Key factors influencing SIP returns:
- Investment amount and frequency
- Investment duration
- Expected rate of return
- Market conditions
- Inflation impact
- Tax implications