Systematic Investment Plan (SIP) Return Calculator
Calculate the potential returns on your SIP investments
Calculate Your SIP Returns
Your SIP Investment Results
Total Amount Invested
₹6,00,000
Estimated Returns
₹5,49,303
Total Value
₹11,49,303
Investment Breakdown
Investment Summary
- Monthly Investment: ₹5,000
- Investment Period: 10 Years
- Expected Return Rate: 12%
- Investment Frequency: Monthly
- Wealth Gain: ₹5,49,303
- CAGR: 12.0%
How to Use the SIP Return Calculator
Step 1: Enter Investment Details
Input your monthly investment amount, the expected annual return rate (%), and the investment duration in years. You can also select your preferred investment frequency.
Step 2: Calculate Returns
Click the "Calculate Returns" button to compute your SIP returns. The calculator uses compound interest formulas to provide accurate projections of your investment growth.
Step 3: Analyze Results
Review your results, including total amount invested, estimated returns, and total value at maturity. Visual charts help you understand how your investment grows over time.
Understanding SIP Investments
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is an investment strategy where you invest a fixed amount regularly (usually monthly) in mutual funds or other investment vehicles. This disciplined approach to investing helps build wealth over time through the power of compounding.
Benefits of SIP Investments
- Financial discipline through regular investing
- Rupee cost averaging - reducing the impact of market volatility
- Power of compounding for long-term wealth creation
- Flexibility to start with small amounts
- No need to time the market
How SIP Returns Are Calculated
This calculator uses the following formula to calculate SIP returns:
Future Value = P × ((1 + r)n - 1) × (1 + r)/r
Where:
- P = Monthly investment amount
- r = Monthly rate of return (Annual rate ÷ 12 ÷ 100)
- n = Total number of investments (Years × 12)
Factors Affecting SIP Returns
- Investment Amount: Higher regular investments lead to greater wealth accumulation
- Investment Duration: Longer investment periods allow more time for compounding
- Expected Return Rate: Higher returns significantly impact the final corpus
- Investment Frequency: More frequent investments may provide better rupee cost averaging