Finance
SIP Calculator
Plan a systematic investment plan by modeling fixed monthly purchases, an expected annual return, and the optional kick-start lump sum.
Model a systematic investment plan with fixed monthly units, expected return, and time horizon.
Growth Projection
SIP future value
Future value = P₀(1 + r/n)^(n·years) + SIP × [((1 + r/n)^(n·years) − 1) ÷ (r/n)]. P₀ is the lump sum, SIP is the monthly deposit, r is annual rate, n = 12 compounds per year.
The projection assumes contributions occur at the end of each month and that the growth rate is an annual average net of fund fees.
How to use
- Enter your monthly SIP amount, expected annual return, and how many years you plan to stay invested.
- Optionally add an initial lump sum to reflect an upfront deposit or existing corpus.
- Compare total invested capital with the projected corpus, wealth created, and growth timeline chart.
Example
Input: Monthly = $500, Rate = 12%, Years = 10, Lump sum = $1,000
Output: Projected corpus ≈ $118,300, Total invested = $61,000, Wealth gain ≈ $57,300
Student-friendly breakdown
This walkthrough emphasizes the most searched ideas for SIP Calculator: sip calculator, mutual fund sip calculator, sip return calculator, sip maturity calculator. Start with the formula above, then follow the guided steps to double-check your work. For quick revision, highlight the givens, plug into the equation, and finish by verifying your units.
Need more support? Use the links below to open the long-form guide, browse additional examples, or hop into adjacent calculators within the same topic — each one is a quick way to double-check your work or handle a related question without starting from scratch.
Deep dive & study plan
SIP Calculator: Projects SIP maturity, total contributions, and wealth gained over time. It's built around sip, systematic investment plan, mutual fund growth, so you can go from a raw question to a checked answer without switching tools.
The math behind it: The projection assumes contributions occur at the end of each month and that the growth rate is an annual average net of fund fees. The core relationship is Future value = P₀(1 + r/n)^(n·years) + SIP × [((1 + r/n)^(n·years) − 1) ÷ (r/n)]. P₀ is the lump sum, SIP is the monthly deposit, r is annual rate, n = 12 compounds per year., shown above the calculator so you can see exactly how your inputs turn into the result.
To use it well: (1) Enter your monthly SIP amount, expected annual return, and how many years you plan to stay invested. (2) Optionally add an initial lump sum to reflect an upfront deposit or existing corpus. (3) Compare total invested capital with the projected corpus, wealth created, and growth timeline chart. Keep your units consistent as you go, and re-run a case you already know the answer to — it's the fastest way to catch a typo before it throws off a result you're relying on.
Worked example: entering Monthly = $500, Rate = 12%, Years = 10, Lump sum = $1,000 returns Projected corpus ≈ $118,300, Total invested = $61,000, Wealth gain ≈ $57,300. Try swapping in your own numbers next, especially a case you're unsure about, before you use this for something that matters.
Quick retention checklist
- Speak the formula aloud (or annotate it) so the relationships stick.
- Write each step in your own words and compare with the numbered list above.
- Swap in new numbers for the Example to make sure the calculator (and your logic) handles edge cases.
- Check at least one related calculator below — it's the fastest way to confirm your numbers still line up from a different angle.
FAQ & notes
Does this include inflation or taxes?
No. The projection is nominal. Subtract expected inflation or taxes afterward if you need real returns.
What if my returns vary every year?
SIP calculators assume an average rate. Use the result as a baseline, then stress-test your plan with optimistic and conservative rates.
What formula does the SIP Calculator use?
The projection assumes contributions occur at the end of each month and that the growth rate is an annual average net of fund fees.
How do I use the SIP Calculator?
Enter your monthly SIP amount, expected annual return, and how many years you plan to stay invested. Optionally add an initial lump sum to reflect an upfront deposit or existing corpus. Compare total invested capital with the projected corpus, wealth created, and growth timeline chart.