SIP Calculator
A Systematic Investment Plan (SIP) helps you accumulate long term wealth by investing small amounts regularly.
Adjust Parameters
Investment Breakdown
Yearly Amortization Schedule
About the SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund at regular intervals, usually monthly. This calculator projects how those contributions can grow over time using an expected annual return, so you can compare scenarios before committing money. It shows the total amount invested, the estimated gain, the maturity value, and a year-by-year breakdown with an interactive chart. Everything is computed in your browser; nothing you enter is sent to a server.
How to use the SIP Calculator
- Enter the monthly SIP amount you plan to invest.
- Set the expected annual return rate (for example 12% for an equity fund).
- Choose the investment duration in years and the results update instantly.
- Review the invested-versus-gain chart and the yearly amortization table to see how compounding builds up.
Frequently asked questions
How is the SIP maturity value calculated?
It uses the standard future value of an annuity formula: each monthly instalment compounds at the monthly rate (annual rate divided by 12) for the number of months remaining until maturity.
Are returns guaranteed?
No. The return rate is an assumption. Actual mutual fund returns vary with the market, so treat the output as an estimate rather than a promise.
Does the calculator account for inflation or taxes?
Not directly. Use a lower expected return to approximate the effect of inflation, and remember that capital gains tax may apply when you redeem.