SIP Calculator

Find the future value of your monthly/quarterly SIP investments through mutual funds.

Future Value: ₹0
Earnings: ₹0
Total Investment: ₹0

What is a SIP Calculator?

A SIP (Systematic Investment Plan) Calculator is a financial tool that helps investors estimate the potential returns on their mutual fund investments made through regular, periodic contributions. It takes into account factors like the investment amount, expected rate of return, and investment duration to project the future value of your investments.

SIP calculators are particularly useful for investors who want to plan their long-term financial goals, such as retirement planning, children's education, or buying a house. They provide a clear picture of how regular investments can grow over time through the power of compounding.

How SIP Returns are Calculated

SIP returns are calculated using the concept of compound interest, where your investment grows not just on the principal amount but also on the accumulated interest. The calculation takes into account:

  • Monthly investment amount
  • Expected annual rate of return
  • Investment duration in years
  • Compounding frequency (usually monthly)

The formula used is: FV = P × [(1 + r)^n - 1] / r × (1 + r), where FV is the future value, P is the periodic investment, r is the periodic rate of return, and n is the number of periods.

How SIP Calculator Works

Our SIP calculator works in three simple steps:

  1. Input Your Investment Details: Enter your monthly investment amount, expected rate of return, and investment duration.
  2. Automatic Calculation: The calculator instantly computes the total investment amount, expected returns, and the final corpus you can expect to accumulate.
  3. Detailed Analysis: The results show you a breakdown of your total investment, total returns, and the power of compounding over the investment period.

This helps you make informed decisions about your investment strategy and understand how regular investments can help you achieve your financial goals over time.

Quarterly SIP Calculator: Plan Your Quarterly Investments

Our SIP calculator also supports quarterly investment planning, making it a versatile tool for investors who prefer making larger contributions every three months. This quarterly SIP calculator follows the same principles of compounding but adjusts the calculation frequency to match your investment cycle.

Benefits of using a quarterly SIP calculator:

  • Perfect for salaried professionals who receive quarterly bonuses
  • Reduces transaction costs compared to monthly investments
  • Allows for larger investment amounts per transaction
  • Maintains the discipline of regular investing while reducing frequency

Whether you choose monthly or quarterly SIP investments, our calculator helps you visualize the growth of your investments over time. Simply select your preferred investment frequency in the calculator, and it will automatically adjust the calculations to show you the projected returns based on your quarterly investment pattern.

What you should know about SIPs