SIP Calculator - Calculate SIP Returns Online | Stock Market Help

📈 Mutual Fund SIP Calculator – Plan Smart, Invest Smarter

💡 Intro: Plan Your Wealth Journey with Confidence

Systematic Investment Plans (SIPs) have become the go-to investment strategy for individuals looking to grow their wealth in a disciplined manner. Whether you’re a beginner or a seasoned investor, a SIP calculator helps you estimate your returns over time — making it easier to plan your financial goals.

Let’s say you invest ₹10,000 per month for 10 years at an expected return of 12%. Curious to know how much wealth you’ll accumulate? That’s where our online SIP calculator comes in — just move the sliders and watch your results update instantly.

Use the calculator below to experiment with different amounts and durations to see how your money can grow.

🧮 Use the SIP Calculator

🔍 How SIP Works

SIP (Systematic Investment Plan) allows you to invest a fixed amount at regular intervals (typically monthly) in mutual funds. It's like setting up an auto-debit for your wealth creation.

📘 SIP Formula:

The SIP future value is calculated using the formula:

FV = P × [(1 + r)^n – 1] × (1 + r) / r

Where:

• FV = Future Value

• P = Monthly Investment

• r = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)

• n = Number of Months

By investing consistently, you benefit from compound interest and rupee cost averaging, helping you accumulate wealth in the long run.

✅ Benefits of SIP Investing

1. 💸 Rupee Cost Averaging
   You buy more units when prices are low and fewer when prices are high, averaging out your cost.

2. 📈 Power of Compounding
   Interest on interest — that’s how money grows exponentially over time.

3. 🧠 Disciplined Investing
   SIPs remove emotional bias. You invest regularly without timing the market.

4. 📅 Flexibility
   You can increase, pause, or stop SIPs anytime as per your financial situation.

🔢 Real-Life SIP Example

Let’s say you invest:

• ₹10,000 per month

• For 10 years (120 months)

• At an annual return rate of 12%

Using the formula or our calculator, you’ll invest ₹12,00,000 over 10 years. But thanks to compounding, the future value becomes approximately ₹23,23,391.

That’s ₹11.23 lakh in pure wealth gain — all from disciplined monthly investing.

❓Frequently Asked Questions (FAQs)

What is a SIP?

A SIP (Systematic Investment Plan) is a method of investing in mutual funds by contributing a fixed amount regularly. It’s ideal for long-term wealth creation with minimal risk of market timing.

How is SIP return calculated?

SIP returns are calculated using the compound interest formula, taking into account the monthly investment, expected annual return, and duration in months. Our calculator simplifies this process for you.

Is SIP better than FD?

While Fixed Deposits (FDs) offer guaranteed returns, SIPs have the potential to generate much higher returns over time, especially with equity mutual funds. SIPs are better for long-term goals, while FDs suit short-term safety.

How much should I invest in SIP?

It depends on your goals. A good rule of thumb is to start with 20–30% of your monthly income. Use our calculator to test different scenarios and find your ideal SIP amount.