SIP Investment Calculator
Estimate the future value of a monthly SIP or a one-time lumpsum investment. Adjust the sliders and see results update instantly.
Investment breakdown
- Invested Amount ₹0
- Estimated Returns ₹0
How does the SIP Calculator work?
A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly — usually every month — instead of investing a large sum at once. This calculator takes your monthly investment, expected annual return rate and investment duration, then projects the future value of those regular investments using the standard compounding SIP formula: M = P × ({[1 + i]n – 1} / i) × (1 + i). The annual rate you enter is converted to its effective monthly rate — i = (1 + annual return)1/12 – 1 — rather than simply divided by 12, so a 12% expected annual return compounds to exactly 12% a year instead of quietly inflating it. Switch to the Lumpsum tab to estimate the future value of a single, one-time investment instead.
Why use a SIP Calculator?
- Estimate potential investment growth over time
- Compare different monthly investment amounts
- Test different investment durations
- Understand invested amount versus potential returns
- Plan long-term financial goals with more confidence
Returns shown are estimates based on the expected rate entered by the user. Actual investment returns may vary and are not guaranteed.