Investment Calculators

SIP Calculator

Plan wealth creation through Systematic Investment Plans. Estimate the future value of your monthly SIPs and the wealth gained from compounding.

About the calculator

What is the SIP Calculator?

The SIP Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Future Value of SIP
    FV = P × [((1 + r)ⁿ − 1)/r] × (1 + r)
  • Variables
    P = monthly investment, r = monthly rate, n = number of months
  • Estimated Returns
    Returns = FV − (P × n)

Example Calculation

SIP of ₹10,000/month for 15 years at 12% return.

  • 1Monthly = ₹10,000, n = 180 months, r = 1% per month
  • 2FV = 10,000 × ((1.01^180 − 1)/0.01) × 1.01
  • 3Invested = ₹18,00,000, Returns ≈ ₹32,45,760
Result
Future Value ≈ ₹50,45,760

Important Factors

Monthly contribution

Higher monthly amounts compound into much larger corpus over long horizons.

Expected return

Diversified equity funds historically deliver 10–14% CAGR; debt funds 6–8%.

Tenure

Longer horizons benefit disproportionately from compounding.

Why use the SIP Calculator?

Financial planning works only when it's specific. The SIP Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

A Systematic Investment Plan invests a fixed amount in a mutual fund at regular intervals — typically monthly.
Using FV = P × [((1 + r)ⁿ − 1)/r] × (1 + r), where P is the monthly amount, r is the monthly rate, and n is the number of months.
SIP averages volatility and removes timing risk; lumpsum can outperform at market lows.
10–14% for diversified equity funds is a common assumption. Use 10% for conservative planning.
Yes — most AMCs allow step-up SIPs that auto-increase the amount every year.
No, SIPs invest in market-linked mutual funds. Returns vary, but long horizons reduce risk.
Each redemption is taxed. Equity LTCG above ₹1L per year is taxed at 10%.
Through Flattrade direct mutual funds at ₹0 commission and a unified platform.

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