SIP Calculator
Calculate the future value of your SIP investments with compounding. Perfect for mutual fund SIP planning.
SIP Details
Future Value
🎯$2,300,387↑
At maturity
Total Invested
💰$1,200,000
$10,000/month × 120 mo
Wealth Gained
📈$1,100,387↑
Pure returns
Absolute Return
⚡91.70%
CAGR: 6.72%
Investment Growth Over Time
AI Insights
Personalized analysis based on your inputs
Inflation Impact
At 6% inflation, your corpus real value is ~$1,284,524. Plan your goals in real terms.
📅 SIP Future Projections
| Year | Total Value | Contributions | Growth | Real Value |
|---|---|---|---|---|
| 2031 | $762,342 | $600,000 | $162,342 | $569,666 |
| 2036 | $2,105,848 | $1,200,000 | $905,848 | $1,175,895 |
| 2036 | $2,105,848 | $1,200,000 | $905,848 | $1,175,895 |
| 2036 | $2,105,848 | $1,200,000 | $905,848 | $1,175,895 |
| 2036 | $2,105,848 | $1,200,000 | $905,848 | $1,175,895 |
| 2036 | $2,105,848 | $1,200,000 | $905,848 | $1,175,895 |
| 2036 | $2,105,848 | $1,200,000 | $905,848 | $1,175,895 |
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Formula Used
SIP Future Value Formula
Variables
FV= Future Value (Maturity Amount)P= Monthly Investment Amountr= Monthly Rate of Return (Annual Rate ÷ 12 ÷ 100)n= Total Number of Months (Years × 12)Example
For ₹10,000/month at 12% annual return for 10 years: r = 12/12/100 = 0.01, n = 120, FV = 10,000 × [(1.01)^120 – 1] / 0.01 × 1.01 ≈ ₹23.23 Lakhs
Frequently Asked Questions
Complete Guide to SIP Investing
A Systematic Investment Plan (SIP) is one of the most powerful wealth-building tools available to retail investors. By investing a fixed amount regularly, you harness the twin benefits of rupee cost averaging and compound interest, creating significant wealth over time even with modest monthly investments.
Why SIP Outperforms Lump Sum
Market timing is nearly impossible even for professional fund managers. SIP eliminates this risk entirely by spreading purchases across market cycles. When markets fall, your fixed SIP buys more units at lower prices; when markets rise, you buy fewer units. Over time, this averages down your cost per unit, improving overall returns.
The Step-Up SIP Strategy
The most effective SIP strategy is the Step-Up SIP, where you increase your monthly amount by 10–15% every year aligned with your salary increments. Starting a ₹10,000 SIP with 10% annual step-up can grow to a ₹26,000+ monthly SIP in 10 years, dramatically accelerating wealth creation.
Common SIP Mistakes to Avoid
- Stopping SIP during market downturns (this is actually the best time to continue)
- Investing in too many funds — 3–4 well-chosen funds are sufficient
- Not reviewing fund performance annually
- Choosing funds based solely on recent 1-year returns
- Ignoring expense ratios which eat into long-term returns
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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on inputs you provide. They are not financial, tax, investment, or legal advice. Consult a qualified financial professional before making financial decisions. Actual results may vary based on market conditions, tax laws, and individual circumstances.