Financial Calculators
SIP Calculator
Find the future value of your monthly/quarterly SIP investment.
Investment Details
Future value of your investment:
$2,522,880
Disclaimer: Please note that these calculators are for illustrations only and do not represent actual returns.
Stock Market does not have a fixed rate of return and it is not possible to predict the rate of return.
What Is SIP Calculator?
A SIP Calculator helps investors estimate future wealth creation through Systematic Investment Plans (SIP) using monthly investments, expected annual returns, and investment duration.
How Are SIP Returns Calculated?
Each monthly installment compounds for a different length of time, so SIP maturity uses the future value of a growing annuity:
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
Here P is your monthly investment, r is the monthly rate of return, and n is the number of months invested. Because each installment starts compounding at a different point, roughly half your final corpus in a long SIP typically comes from your earliest 3-4 years of contributions — which is why staying invested through a long horizon matters more than the exact monthly amount.
Benefits Of SIP Investments
Cost Averaging
SIP investments reduce market timing risks by investing consistently over time.
Long-Term Wealth Growth
Compounding can significantly increase investment value over long investment periods.
Flexible Investing
Investors can start SIPs with small monthly amounts based on financial goals.
Disciplined Saving
SIPs encourage consistent long-term investing habits.
Frequently Asked Questions
What is a good SIP amount?
A good SIP amount depends on income, financial goals, and investment horizon.
Is SIP better than FD?
SIPs offer market-linked growth potential, while fixed deposits provide stable fixed returns.
Can SIP create long-term wealth?
Long-term SIP investing combined with compounding can significantly grow wealth over time.
What happens if I miss a SIP installment?
Most mutual funds simply skip that month without penalty — your SIP continues from the next scheduled date. Repeated missed installments over several months can sometimes trigger an auto-cancellation, so check your specific fund's policy.
Should I stop my SIP when markets fall?
Generally no — a falling market means your fixed SIP amount buys more units at a lower price, which is the entire point of rupee-cost averaging. Stopping during a downturn is one of the most common ways investors damage their own long-term returns.