LoginOpen Demat Account

SIP Calculator

Calculate the potential value and estimated returns for your investment. Check out the amount you could build through a monthly SIP and plan towards your financial goals.

Invested Amount
₹100₹10 Lakhs
Time period (in years)
1 yr30 yrs
Expected Return Rate (in % p.a.)
1%30%
Secure tomorrow’s dreams with disciplined SIP investing
Invest Now
Total Expected Value
Invested Amount
Est. Returns
Invested Amount
Est. Returns
Description

What is SIP?

A Systematic Investment Plan (SIP) is a process to invest a fixed amount at regular intervals. SIPs usually allow you to invest weekly, monthly, or quarterly, helping you invest regularly without worrying about timing the market.

 Starts with as low as ₹500

 Rupee cost averaging

 Power of compounding

Why Invest via SIP?

Goal Clarity
Goal ClarityAlign your investments with specific life goals
Consistency
ConsistencyAutomate your savings and build a discipline
Better Planning
Better PlanningAveraging out market volatility over the long term
Visual Motivation
Visual MotivationWatch your small regular amounts become a huge corpus
Invest Now

How do SIP Calculator work?

Calculate your potential SIP value in three simple steps.

Invest Regularly
STEP 01
Invest RegularlySet up an auto-pay for a fixed amount every month.
Earn Returns
STEP 02
Earn ReturnsYour money is invested in markets, earning compounding returns.
Build Wealth
STEP 03
Build WealthOver years, your small inputs turn into a massive corpus.
SIP Calculator Formula
The mathematical formula used by SIP calculators is:
M = P × ({[(1 + i)^n - 1] / i}) × (1 + i)
M=Maturity amount or estimated returns
P=Monthly SIP amount
n=Number of months
i=Periodic rate of interest (Annual Rate / 12 / 100)
Example of SIP Calculation
Let's say you invest ₹1,000 per month for 12 months at an expected annual return of 12%.
P=₹1,000
n=12 months
i=12% / 12 / 100 = 0.01
Plugging these into the formula, your total invested amount is ₹12,000, and the maturity amount after 1 year comes out to approximately ₹12,809.

Benefits of using an SIP Calculator

01Clarity on Financial GoalsKnow exactly how much to invest each month to reach a specific target corpus.
02Better PlanningDynamically adjust tenure and investment amount to plan your goals
03Track your Investment ProgressSee the compounding impact unfold over time and stay motivated to invest consistently.
04Quick & AccurateGet accurate results without manual calculations
05Encourages ConsistencyReinforces the habit of disciplined investing by showing what staying the course can achieve
06Compare Scenarios InstantlyTest different SIP amounts, tenures, and return rates side by side to find your optimal investment strategy.
Invest Now

Frequently Asked Questions

No. The calculator provides estimates based on the assumptions entered, and actual returns may vary. Investment returns are strictly market-linked.

Yes. Mutual fund companies also provide the option to pause SIP investments for a specified period.

Yes. You can generally withdraw money from a Systematic Investment Plan (SIP) at any time for equity investments and most open-ended mutual fund schemes, subject to applicable terms and conditions.

A Systematic Investment Plan (SIP) lets you invest a small, fixed amount regularly, while a lumpsum investment puts a large sum of money into a fund.

Other Popular Calculators

Lumpsum Calculator
Step-Up SIP Calculator

One stop destination for all your investing needs. Open Demat account for FREE!

By proceeding, I accept all T&C*
By proceeding, I accept all T&C*