SIP Calculator
$
$0
Estimated Maturity Value
Total Invested$0
Estimated Returns$0
X-Factor (Returns / Invested)0x
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How to Use
Enter your monthly investment amount, the expected annual return rate, and the investment period in years. The calculator uses the future value of annuity formula assuming monthly compounding.
Historical equity market returns in the US have averaged around 7-10% annually, while debt instruments typically return 5-8%.
Note: Past performance does not guarantee future returns. This calculator provides estimates only.
SIP Formula
M = P × ((1 + r)n − 1) / r × (1 + r)
Where M = maturity value, P = monthly investment, r = monthly rate, and n = total months. The final (1 + r) factor accounts for investing at the beginning of each month.
Frequently Asked Questions
Historically, equity markets have returned 7-10% annually over long periods. A 12% return is optimistic but achievable with a well-diversified portfolio. Use conservative estimates (8-10%) for planning.
SIP reduces risk through rupee cost averaging — you buy more units when prices are low and fewer when prices are high. Lump sum can perform better in rising markets but carries more timing risk.
Each monthly installment starts earning returns immediately. Those returns then earn their own returns (compounding). Over long periods, the compounding effect dominates — in a 20-year SIP at 12%, over 70% of the final value comes from returns.
Yes. You can increase or decrease your SIP amount at any time. Starting with a lower amount and stepping up over time is a popular strategy.