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SIP Calculator
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This SIP (Systematic Investment Plan) calculator projects the future value of a recurring monthly investment based on your monthly amount, expected annual return rate, and investment duration, using the standard monthly-compounding annuity formula that mutual fund SIP calculators use. Enter your monthly contribution, an expected annual return percentage, and the number of years you plan to invest, and it instantly shows your total invested amount, estimated gains, and projected future value. It's built for anyone planning recurring mutual fund or index fund investments and comparing different contribution amounts or time horizons. Everything runs locally in your browser. Scroll down to enter your SIP details.
Features
- Projects future value from monthly investment, rate, and duration
- Shows total invested amount separately from estimated gains
- Uses the standard SIP compounding formula
- Instant recalculation as you adjust any input
- Works for any currency (values shown unlabeled/₹ by convention)
Why use this sip calculator?
- Quickly compare different SIP amounts or durations
- No spreadsheet or manual annuity math required
- Fully private — no financial details are stored or uploaded
- Free with unlimited use
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) is a way of investing a fixed amount at regular intervals (typically monthly) into a mutual fund or similar instrument, rather than investing a lump sum at once.
What return rate should I use?
This depends on the fund/asset class; equity mutual funds are often projected at 10-15% long-term average returns, but actual returns vary and are never guaranteed — use a conservative estimate for planning.
How is the future value calculated?
It uses the standard future-value-of-annuity formula compounded monthly at your expected rate, applied to a fixed contribution made at the start of each month.
Are these projected returns guaranteed?
No, this is a projection based on the return rate you enter; actual market-linked investment returns fluctuate and are not guaranteed.
Is this financial advice?
No, results are for informational and planning purposes only; consult a licensed financial advisor before making investment decisions.