SIP Calculator
Project mutual fund Systematic Investment Plan (SIP) returns and compound wealth creation.
Finance Engine
SIP Calculator
₹10,000
12%
15 Years (180 Months)
Total Wealth Created
₹50,45,760
Principal (35.7%)Interest (64.3%)
Total Invested Amount:₹18,00,000
Estimated Returns (Gains):₹32,45,760
Maturity Corpus:₹50,45,760
Investment Period:15 Years (180 Months)
Complete Repayment Schedule (15 Years Full Report)
How to Use the SIP Calculator
- Input your parameters in the fields or drag the interactive sliders.
- The algorithm updates the primary metric and schedules in real-time.
- Click “Copy Result” to copy structured values to your clipboard.
Calculation Formula
FV = P × [ (1 + i)^n - 1 ] / i × (1 + i)
Where:
- P: Monthly Deposit Amount
- i: Monthly Expected Return Rate (Annual Rate / 12 / 100)
- n: Total Number of Monthly Installments (Years × 12)
Example Calculation
Monthly SIP of ₹10,000 for 15 years at an expected annual return of 12%
Monthly Deposit: ₹10,000
Expected Return: 12% p.a.
Investment Period: 15 Years
Outcome: Total Deposited: ₹18,00,000 | Estimated Capital Gains: ₹32,45,760 | Maturity Corpus: ₹50,45,760
Compounding returns reinvest month-over-month, yielding estimated capital growth of over 1.8x the total deposited capital.
Important Assumptions
- Investments are deposited systematically at regular monthly intervals.
- Compounding frequency matches deposit frequency (monthly compounding).
- Expected rate of return is an annualized constant estimate and not guaranteed.
Frequently Asked Questions
How are SIP returns calculated?
SIP uses monthly compounding on each installment where earlier deposits accumulate returns for longer durations.
Are SIP returns guaranteed?
No. Mutual fund investments are subject to market risks. The expected return rate is an annualized projection.
What is the difference between SIP and Lump Sum?
SIP invests fixed amounts at regular intervals to average market volatility, while Lump Sum invests the entire capital at once.
Important NoticeResults are estimates based on the inputs and mathematical assumptions shown on this page. Actual financial outcomes, loan approvals, and investment returns may vary based on product terms and market conditions.