SIP Calculator
Verified Calculation Engine
The online SIP Calculator helps you calculate instantly and solve problems related to Investing. This tool provides accurate results using standard formulas and step-by-step calculation; you can view the formula with example in the calculator where available. Whether you are a student, teacher, or professional, this calculator simplifies complex calculations and saves time. Enter the required values below and get instant results. Results are shown clearly, with optional step-by-step explanation where applicable. The tool is free to use and works in any modern browser—no download or installation required. Bookmark this page for quick access whenever you need reliable Finance Money calculations.
Calculate future value of Systematic Investment Plan (SIP)
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Where P is monthly investment, r is monthly rate, n is number of months
- Monthly contribution amount is constant for the full tenure.
- Expected annual return is held constant and converted to a monthly rate.
- Taxes, expense ratios, and exit loads are not deducted.
Inputs
Results
Worked Examples
Example 1: Monthly SIP of ₹10,000
Invest ₹10,000 monthly at 12% for 10 years
- monthlyInvestment: 10000
- annualRate: 12
- tenureMonths: 120
- futureValue: 2323380
Example 2: Monthly SIP of ₹5,000
Invest ₹5,000 monthly at 10% for 5 years
- monthlyInvestment: 5000
- annualRate: 10
- tenureMonths: 60
- futureValue: 387012
About this calculator
Overview
This SIP calculator estimates the future value of a fixed monthly investment under a constant expected annual return, using the standard future-value-of-annuity formula with end-of-period compounding.
When to use
Use it to compare monthly investment amounts, tenures, and assumed return rates when planning a Systematic Investment Plan. It is useful for scenario planning, not for predicting market outcomes.
Inputs explained
- Monthly Investment (₹) [required]
- Expected Annual Return (%) [required]
- Investment Tenure (months) [required]
Formula / method
FV = P × [((1 + r)^n − 1) / r] × (1 + r), where r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months. Total invested = P × n. Estimated returns = FV − total invested.
Worked example
Example: invest ₹10,000 per month for 120 months (10 years) at an assumed 12% annual return. Monthly rate r = 0.01. The calculator applies the SIP future-value formula to estimate corpus, total invested (₹12,00,000), and estimated returns.
Interpreting results
A higher assumed return or longer tenure increases estimated future value nonlinearly because of compounding. Compare scenarios with conservative and optimistic return assumptions.
Assumptions
- Return rate is constant for the full tenure.
- Contributions are made at equal monthly intervals.
- No taxes, expense ratios, exit loads, or missed contributions are modeled.
Limitations
- Market returns vary; the result is an illustration under your assumed rate.
- Does not model inflation, taxation, or fund-specific fees unless you adjust inputs yourself.
Important note
Educational illustration only. Not investment, tax, credit, or financial advice. Confirm figures with your provider, lender, or tax professional.
How to Use This Calculator
- Enter the required values in the input fields.
- Click the Calculate button.
- View the computed result instantly.
Formula Used
FV = P × [((1 + r)^n − 1) / r] × (1 + r), where r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months. Total invested = P × n. Estimated returns = FV − total invested.
Example Calculation
Example: invest ₹10,000 per month for 120 months (10 years) at an assumed 12% annual return. Monthly rate r = 0.01. The calculator applies the SIP future-value formula to estimate corpus, total invested (₹12,00,000), and estimated returns.
Frequently Asked Questions
What is SIP Calculator?
- This SIP calculator estimates the future value of a fixed monthly investment under a constant expected annual return, using the standard future-value-of-annuity formula with end-of-period compounding.
How does SIP Calculator work?
- FV = P × [((1 + r)^n − 1) / r] × (1 + r), where r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of months. Total invested = P × n. Estimated returns = FV − total invested.
Why use this Finance Money calculator?
- Use it to compare monthly investment amounts, tenures, and assumed return rates when planning a Systematic Investment Plan. It is useful for scenario planning, not for predicting market outcomes.