How to Use the SIP Calculator
- Enter the amount you plan to invest each month.
- Add your expected annual return rate.
- Set the investment duration in years.
- See the total invested, estimated returns and final maturity value.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan is a method of investing a fixed sum at regular intervals — usually monthly — into a mutual fund or similar instrument, benefiting from rupee/dollar cost averaging and compounding.
How is SIP maturity value calculated?
It uses the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly investment, i is the monthly return and n is the number of months.
Is the expected return guaranteed?
No. Market-linked returns vary, so the figure is an estimate for planning. This tool assumes a constant rate for illustration only.
Does a longer SIP make a big difference?
Yes — because of compounding, extending a SIP by even a few years can significantly increase the final maturity value.
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