SIP Calculator
Calculate your Systematic Investment Plan (SIP) returns with interactive charts, year-by-year breakdown, delay cost analysis, and smart investment insights.
SIP Calculator
Total Value at Maturity
₹11,61,695
Invested Amount
₹6.00 L
Est. Returns
₹5.62 L
Smart Insights
- •Increase SIP by ₹2,000/month → earn ₹4.6L more.
Investment Growth Over Time
Year-by-Year Breakdown
| Year | Invested | Returns | Total Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
SIP vs Other Investments (10 years)
SIP (12%)
₹11.62 L
FD (7%)
₹6.23 L
PPF (7.1%)
₹8.92 L
Gold (10%)
₹10.33 L
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What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator helps you estimate the potential returns on your mutual fund investments made through regular monthly or quarterly installments.
By entering your monthly investment amount, expected return rate, and investment duration, the calculator shows your total invested amount, estimated returns, and maturity value with detailed visualizations.
How SIP Works
- You invest a fixed amount at regular intervals (monthly/quarterly)
- Each installment buys units at the current NAV
- Returns are compounded over time using the power of compounding
- Rupee cost averaging helps mitigate market volatility
- Long-term SIPs typically yield better results due to compounding
Features of This Calculator
- Interactive sliders for easy input
- Pie chart showing invested vs returns ratio
- Growth chart visualizing investment over time
- Year-by-year breakdown table
- Delay cost calculator showing impact of late start
- Smart insights with actionable suggestions
SIP Formula
FV = P × [(1 + r)^n - 1] / r × (1 + r), where P = monthly investment, r = monthly rate of return (annual rate / 12), n = total number of months.
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