SIP Calculator

Monthly SIP amount, rate, years → maturity value.

SIP = Systematic Investment Plan. FV = P × [((1+r)^n − 1) ÷ r] × (1+r). Past returns don't guarantee future.

How to use

  1. Enter monthly SIP amount in rupees.
  2. Enter expected annual return (e.g. 12 for 12%). Historical equity: ~12%, debt: ~7%.
  3. Enter number of years.
  4. Get maturity value, total invested, and estimated returns.

Formula

FV = P × [((1+r)^n − 1) ÷ r] × (1+r). P=monthly amount, r=monthly return (annual÷12), n=months. Assumes SIP at start of month.

Future value formula for regular monthly investments. Returns are not guaranteed.

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FAQs

What is SIP?
SIP = Systematic Investment Plan. You invest a fixed amount monthly in mutual funds. Benefits from rupee cost averaging.
How is SIP returns calculated?
FV = P × [((1+r)^n − 1) ÷ r] × (1+r) for SIP at month start. P=monthly amount, r=monthly return, n=months.
What return to expect from SIP?
Equity SIPs: 10–15% historically but not guaranteed. Debt: 6–8%. Past returns don't guarantee future performance.
SIP for shop owners?
Good for parking surplus. Start small (₹1000–5000). Diversify across equity and debt based on risk.

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