SIP Calculator

Plan a systematic investment month by month and understand the long-term growth of disciplined investing.

Enter values to generate results.

SIP Calculator

A SIP calculator estimates how regular monthly investments may grow into a future corpus. It is useful for investors who want to understand how disciplined contributions and compounding work together over long periods.

What this SIP calculator shows

The calculator shows how each monthly SIP installment is added and how the portfolio grows month by month and year by year.

This helps investors understand that early contributions stay invested longer and usually contribute more strongly to the final corpus.

Why SIP planning matters

SIP investing supports disciplined wealth building by spreading contributions over time instead of depending on a one-time large investment.

It is commonly used for mutual funds, retirement planning, children's education, and long-term goal-based investing.

Formula for SIP Future Value

A monthly SIP is commonly estimated with the future value of a recurring monthly contribution. The exact value depends on whether contributions are assumed at the beginning or end of each month.

FV = PMT x [((1 + i)^m - 1) / i] x (1 + i)

Where,

  • FV = future value of the SIP corpus
  • PMT = monthly SIP amount
  • i = monthly return rate
  • m = total number of months

How the SIP calculation works

  1. Take the chosen monthly investment amount.
  2. Convert the annual return into a monthly rate.
  3. Add one installment for each month of the selected duration.
  4. Apply growth month by month so earlier installments get more time to compound.
  5. Show the final corpus, total invested amount, and growth earned.

Examples

Example 1: SIP of 5,000 for 15 years

Suppose you invest 5,000 every month at 12% annual return for 15 years.

  • Monthly SIP amount (PMT) = 5,000
  • Monthly rate = 12% / 12 = 1%
  • Duration = 180 months
  • Total amount invested = 5,000 x 180 = 900,000
  • Final corpus becomes much higher than 900,000 because every installment compounds for the remaining months.

Frequently Asked Questions

What is a SIP calculator?

A SIP calculator estimates the future value of regular monthly investments using an assumed annual growth rate and investment duration.

Can I see month-wise SIP growth?

Yes. This calculator provides a month-wise schedule so you can track contributions, growth, and closing balance over time.

Is the SIP calculator exportable?

Yes. You can export the generated schedule to CSV, Excel, PDF, print, and shareable links.