๐SIP Calculator
See how much your monthly investments could grow over time.
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About this calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month rather than a lump sum. Because each contribution compounds and you buy in at different price points over time, SIPs benefit from both compounding and rupee-cost averaging. This calculator estimates the future value of your investments, how much you actually put in, and the gains earned on top.
Formula
FV = P ร ((1 + i)^n โ 1) รท i ร (1 + i), where P = monthly investment, i = monthly return (annual รท 12 รท 100), n = number of months.
How to use
Enter your Monthly Investment, Time Period, Expected Return (p.a.) above โ the result updates instantly as you type or drag the sliders. It's free and needs no sign-up.
Frequently Asked Questions
Are SIP returns guaranteed?
No. The expected return you enter is an assumption โ actual market returns vary year to year. The result is a projection, not a promise.
What's the difference between SIP and a lump-sum investment?
A SIP spreads investing across time (averaging your purchase price), while a lump sum invests everything at once. Use the Future Value calculator to model a one-time investment.