SIP Calculator
Plan your systematic investment plan with our advanced calculator. Get detailed projections, charts, and insights for your mutual fund investments.
Investment Details
Investment Growth Chart
Investment Breakdown
Key Metrics
Year-wise Growth
What is a SIP Calculator?
A Systematic Investment Plan (SIP) calculator helps you estimate the future value of monthly investments in mutual funds. It uses the power of compounding to show how your money grows with time — making planning easier for goals like house, retirement, child's education, wealth creation.
Why Should You Use a SIP Calculator?
Start Small
Begin with just ₹500 monthly
Compounding Growth
Watch wealth grow faster
Lower Risk
Reduces volatility with averaging
Goal Based
Perfect for long-term financial goals
SIP Formula
SIP growth is calculated using the compound interest formula:
A = P × [((1 + r)ⁿ - 1) / r] × (1 + r)- A — Maturity Amount
- P — Monthly Investment
- r — Monthly Return Rate
- n — Number of Months
How Much Can Your SIP Grow Over Time? (₹5,000 Monthly at 12% Return)
| Duration | Investment | Maturity Value* | Wealth Gain* |
|---|---|---|---|
| 5 Years | ₹3,00,000 | ₹4,11,000 | ₹1,11,000 |
| 10 Years | ₹6,00,000 | ₹11,50,000 | ₹5,50,000 |
| 15 Years | ₹9,00,000 | ₹24,70,000 | ₹15,70,000 |
| 20 Years | ₹12,00,000 | ₹44,50,000 | ₹32,50,000 |
*Market linked — actual results may vary.
SIP Growth Chart — (₹5,000 Monthly at 12% Return)
SIP: Frequently Asked Questions
Is SIP safe?
SIP reduces risk through rupee-cost averaging, but returns are market-linked.
How long should I invest?
Longer time = higher compounding = more wealth.
Can I increase or stop SIP?
Yes! You can pause, reduce, or increase anytime.
Is SIP better than FD?
FD gives fixed returns; SIP gives higher long-term growth potential.
Does SIP give tax benefits?
Yes, ELSS SIPs allow ₹1.5 lakh tax deduction under Section 80C.
Share
Online SIP Calculator (Systematic Investment Plan) - Free Tool | Solvezi