UploadReady Calculators
Finance CalculatorsPopular

SIP Calculator

Model your mutual fund SIP wealth creation journey with monthly disciplined investments and compounding returns.

Calculator Inputs

Live
Currency:
₹
₹500₹200,000
%
5%25%
yrs
1 yrs35 yrs
Calculation Results
Estimated Future Wealth
₹9,47,355.32
InvestedWealth Gain
Wealth Gain (Returns)
₹3,47,355.32
Total Invested Amount
₹6,00,000
Advertisement
Reserved Ad Space

How to use the SIP Calculator

  1. 1Enter your monthly SIP investment amount.
  2. 2Enter the expected annual rate of return (e.g. 12% for equity mutual funds).
  3. 3Enter your investment horizon in years.
  4. 4View total amount deposited, wealth gained, and final corpus estimate.

How SIP is Calculated

SIP returns are calculated using the future value of an annuity due formula, where each monthly installment compounds for its respective remaining tenure.

Mathematical Formula
M = P × [ ((1 + i)ⁿ - 1) / i ] × (1 + i)
Formula Variables & Logic

M is maturity corpus, P is monthly investment, i is monthly return rate (Annual Return / 12 / 100), and n is total months (Years × 12).

Worked Example: 15-Year Mutual Fund SIP
Sample Calculation
Scenario: Investing $500 (or ₹10,000) every month for 15 years at an expected 12% annual return.
Step-by-step breakdown
  1. 1Monthly deposit = 10,000
  2. 2Total invested over 15 years (180 months) = 180 × 10,000 = ₹18,00,000
  3. 3Estimated maturity value = ₹50,45,760
  4. 4Wealth gain = ₹50,45,760 - ₹18,00,000 = ₹32,45,760
Estimated Result
Total invested is ₹18,00,000 and total estimated wealth is ₹50,45,760.

What affects SIP results

  • Stock market performance and fund asset allocation.
  • Consistency in making monthly SIP deductions.
  • Step-up increases in monthly investment as income grows.
Advertisement
Reserved Ad Space

Frequently Asked Questions

What is Rupee Cost Averaging in a SIP?

Rupee Cost Averaging means you automatically buy more fund units when market prices drop and fewer units when prices rise, reducing your average cost per unit over time.

Are SIP mutual fund returns guaranteed?

No. Mutual funds are subject to market risks, and returns fluctuate based on market conditions.

Related Calculators

Frequently used alongside this tool for complete analysis.

C

Compound Interest Calculator

Calculate compound interest on savings and investments with daily, monthly, or annual compounding and recurring contributions.

Calculate now
R

RD Calculator

Calculate bank Recurring Deposit (RD) maturity amount and interest earned with monthly savings and quarterly compounding.

Calculate now
C

CAGR Calculator

Calculate Compound Annual Growth Rate (CAGR), annualized returns, and total percentage growth for stocks, real estate, and businesses.

Calculate now
I

Inflation Calculator

Calculate the erosive effect of inflation on your cash savings, future living expenses, and purchasing power over time.

Calculate now
R

Retirement Calculator

Calculate the exact retirement corpus needed to sustain your lifestyle, accounting for inflation, life expectancy, and monthly savings.

Calculate now
E

EMI Calculator

Accurate online EMI calculator for home loans, personal loans, and car loans. View monthly payments, total interest, and amortization schedule.

Calculate now
Was this calculator accurate and useful?
Disclaimer: Mutual fund projections are for educational planning based on assumed rates. Actual market returns fluctuate.