SIP Calculator
📊 SIP Calculator
🔹 What is an SIP Calculator?
A Systematic Investment Plan (SIP) Calculator helps you estimate how much wealth you can create by investing a fixed amount regularly in mutual funds.
With this tool, you can easily find out your total investment, expected returns, and maturity amount for any tenure.
SIPs are one of the smartest ways to invest in mutual funds — small monthly investments that grow steadily over time through the power of compounding.
🔹 How Does the SIP Calculator Work?
The SIP Calculator uses this compound interest formula to calculate maturity value:
FV = P × [(1 + r/n)^(n×t) – 1] × (1 + r/n) / (r/n)
Where:
- FV = Future Value (Maturity Amount)
- P = Monthly Investment Amount
- r = Expected Annual Return Rate (in decimal)
- n = Number of times the interest compounds in a year (usually 12)
- t = Time in years
The calculator instantly shows how much your investment will be worth over time.
🔹 Benefits of Using SIP Calculator
✅ Instantly calculate total returns and maturity value
✅ Helps plan long-term financial goals
✅ Compare returns from different mutual fund schemes
✅ See the effect of increasing or decreasing monthly investment
✅ Easy to use and accurate
🔹 Example of SIP Returns
| Monthly SIP (₹) | Tenure (Years) | Expected Return (12% p.a.) | Total Investment (₹) | Maturity Value (₹) |
|---|---|---|---|---|
| 1,000 | 10 | 12% | 1,20,000 | 2,32,339 |
| 5,000 | 15 | 12% | 9,00,000 | 24,97,229 |
| 10,000 | 20 | 12% | 24,00,000 | 98,92,566 |
(Illustration purpose only; actual returns depend on market performance.)
🔹 Why Invest Through SIP?
- Builds disciplined investing habit
- Compounding boosts long-term wealth
- Minimizes market timing risk through rupee cost averaging
- Suitable for goals like retirement, education, or buying a house
🔹 SIP in Top Mutual Funds and Banks
You can start SIPs in top mutual funds via banks like:
SBI Mutual Fund, HDFC Mutual Fund, ICICI Prudential, Axis Mutual Fund, Kotak, Nippon India, and more.
Most banks allow online SIP registration directly through net banking or investment apps.
🔹 How to Use SIP Calculator
- Enter your monthly SIP amount
- Choose your investment duration (in years)
- Enter your expected annual return (%)
- Click Calculate – and get your total returns & maturity value
Example:
If you invest ₹5,000 monthly for 10 years at 12% annual return, your maturity amount will be approximately ₹11.6 lakh, with ₹5 lakh invested.
🔹 Plan Your Future Smartly
Use the SIP Calculator to plan your investments and achieve financial goals like:
- Buying a home 🏠
- Child’s education 🎓
- Retirement planning 👵
- Wealth creation 💼