SIP (Systematic Investment Plan) Calculator
Project SIP growth with compounding, year-by-year breakdown and invested-vs-gains split
Investment Details
Projection
Estimated Future Value
$1,161,695
Total Invested
$600,000
Wealth Gained
$561,695
Invested vs Gains
Value Growth per Year
About this Tool
A Systematic Investment Plan (SIP) invests a fixed sum every month into mutual funds or stocks. Returns compound over time — this calculator projects the future value using monthly compounding and shows how each year's contributions grow.
Common Use Cases
Retirement Corpus
See what small monthly sums become over 20-30 years of compounding.
Goal Planning
Work backwards from a target (education, home) to the monthly SIP needed.
Compare Scenarios
Test return rates and durations side by side before committing.
Pro Tips
- !
Start Early
Time matters more than amount — 10 extra years can triple the outcome.
- !
Stay Consistent
Market dips buy more units (rupee-cost averaging). Don't pause SIPs in crashes.
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Be Realistic
12% is a common long-term equity assumption, not a guarantee.
Examples
10,000/month at 12% for 10 years
A 10,000 monthly SIP earning 12% annually for 10 years grows to about 2,323,391 on 1,200,000 invested.
- Monthly rate r = 12/100/12 = 0.01 and months n = 10 x 12 = 120.
- Future value = 10,000 x (((1.01^120 - 1) / 0.01)) x 1.01 = 10,000 x 230.0387 = 2,323,391 (rounded).
- Total invested = 10,000 x 120 = 1,200,000, so gains = 2,323,391 - 1,200,000 = 1,123,391.
10,000/month at 12% for 15 years
Extending the same 10,000 SIP from 10 to 15 years more than doubles the corpus to about 5,045,760.
- Monthly rate r = 0.01 and months n = 15 x 12 = 180.
- Future value = 10,000 x (((1.01^180 - 1) / 0.01)) x 1.01 = 10,000 x 499.5802 = 5,045,760 (rounded).
- Total invested = 10,000 x 180 = 1,800,000, so the extra 5 years add 2,722,369 of value on only 600,000 of extra deposits.
FAQs
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