SIP Calculator - Mutual Fund Systematic Investment Plan
Calculate returns and future wealth from monthly mutual fund SIP investments with interactive growth charts
SIP Calculator (Systematic Investment Plan)
Calculate your future mutual fund wealth, compound interest growth, and returns from monthly SIP investments.
Year-by-Year Wealth Growth Schedule
| Year | Annual Investment | Total Invested To Date | Interest Earned (Year) | Total Accumulated Wealth |
|---|
What is a SIP Calculator?
A Systematic Investment Plan (SIP) calculator is a free financial tool that allows individuals to calculate the returns on their mutual fund investments made through SIP. Investing a disciplined amount every month allows investors to harness the twin powers of Rupee Cost Averaging and Compounding Growth to generate long-term wealth.
How Does SIP Compounding Work?
When you start a SIP, your periodic installment purchases mutual fund units at varying market prices. In market downturns, you purchase more units; in bull runs, you buy fewer units. Over a 5 to 20-year horizon, this averages your unit acquisition cost while earning compounding returns on reinvested dividend and capital gains.
SIP Calculation Formula
The mathematical formula used to calculate SIP returns is:
M = P × ({[1 + i]^n - 1} / i) × (1 + i)
- M: Expected maturity amount.
- P: Monthly investment amount.
- i: Periodic rate of interest (Annual return ÷ 12 ÷ 100).
- n: Number of monthly installments (Years × 12).
Key Features of Our SIP Tool
- Interactive Real-Time Sliders: Instantly see your returns change as you adjust monthly amounts, annual returns, and investment horizons.
- Step-Up SIP Option: Factor in an annual salary hike increment (5% to 20% step-up) to model realistic career earnings growth.
- Visual Donut Chart: Clean visual breakdown of your total principal invested versus wealth gained from compounding.
- Amortization & Wealth Growth Table: Complete year-by-year schedule downloadable directly as a CSV spreadsheet.