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SIP Calculator

Calculate the wealth gain of your Systematic Investment Plan.

$5,000
12%
10 Yr
Invested Amount
$0
Estimated Returns
$0
Total Maturity Value
$0
Invested
Gain

What is a Systematic Investment Plan (SIP)?

A SIP is a disciplined approach to investing in mutual funds. Instead of a large lump-sum investment, you contribute a fixed amount of money every month. This strategy allows you to benefit from "Rupee Cost Averaging" and the power of compounding over long durations.

How the SIP Formula Works

The maturity amount of a SIP is calculated using the Future Value of an Annuity formula:

M = P × ({[1 + i]^n – 1} / i) × (1 + i)

Where:
M = Maturity Value
P = Monthly SIP Amount
i = Periodic Rate of Interest (Annual Rate / 12 / 100)
n = Number of installments (Years × 12)

Benefits of Using EveryCalc

Our SIP calculator helps you visualize how small monthly savings grow into substantial wealth. By adjusting the expected return rate and duration, you can plan your financial goals—whether it's retirement, education, or buying a home—with realistic mathematical projections.

Disclaimer: This calculator provides mathematical estimates based on user inputs. Mutual fund investments are subject to market risks. Past performance is not an indicator of future results. Please consult with a certified financial advisor before making investment decisions.