SIP Mutual Fund Calculator
Estimate the future value of your Systematic Investment Plans (SIP). Calculate wealth generated and maturity returns instantly.
Power of compounding
Compounding works wonders over long periods. If you invest ₹5,000 monthly at 12% expected return:
• 10 Years: ₹6.0L invested, maturity ₹11.6 Lakhs
• 20 Years: ₹12.0L invested, maturity ₹49.9 Lakhs
• 30 Years: ₹18.0L invested, maturity ₹1.76 Crore!
Rupee Cost Averaging
By investing a fixed amount regularly, you automatically buy more units when market prices are low and fewer units when prices are high. This balances out buying costs over time.
How to Use SIP Calculator
- Input the 'Monthly Investment' amount you plan to deposit into your SIP account each month.
- Enter the 'Expected Return Rate' per year based on historic index returns or projections.
- Choose your 'Tenure' in years (e.g. 5, 10, 20, 30 years) using the slider or numeric input.
- Review your calculated returns instantly: Total Investment, Estimated Returns, and Total Maturity Value.
- Review the interactive SVG Donut Chart representing the division of principal investment vs returns gained over the tenure.
Key Features & Privacy Guarantee
- Compounding Estimator: Accounts for monthly interest compound additions to project wealth growth accurately.
- Interactive Sliders: Dynamically slide through years and amounts to visualize compounding curves immediately.
- SVG Donut Chart: Beautiful SVG graph showcasing invested principal vs wealth generated by interest.
- 100% Secure & Client-Side: Runs local calculations in your browser, keeping your personal wealth targets private.
Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
A SIP is an investment route offered by mutual funds where you invest a fixed amount of money at regular intervals (such as weekly, monthly, or quarterly) rather than making a lump-sum payment. It helps cultivate regular saving habits and benefits from rupee cost averaging.
What is the SIP maturity formula?
The SIP formula is: M = P x [((1 + i)^n - 1) / i] x (1 + i), where M is the maturity value, P is the monthly investment amount, i is the monthly interest rate (annual return rate divided by 12, then divided by 100), and n is the total number of monthly payments.
What is compounding and how does it affect my SIP?
Compounding means you earn interest on your interest. Over long periods (like 15-30 years), the returns generated by your investments begin generating their own returns, leading to exponential growth. This is why investing for longer tenures creates vastly larger wealth than short term savings.
Are SIP returns guaranteed?
No, SIP mutual fund investments are subject to market risks. The return rate entered (e.g. 12% or 15%) is an estimate based on historical market trends. Actual returns will fluctuate depending on market conditions, but equity SIPs historically tend to compound at around 12-15% over long time horizons.