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SIP Calculator - Systematic Investment Plan Returns

See how regular monthly investing can grow your wealth over time.

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SIP Calculator

Calculate Your SIP Returns

Estimated Value
₹11,61,695
Total Invested ₹6,00,000
Estimated Returns ₹5,61,695

*Market-linked estimate. Returns are not guaranteed.

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What is a SIP?

A Systematic Investment Plan (SIP) is a disciplined way to invest a fixed amount regularly - usually monthly - into mutual funds. Instead of timing the market, you invest steadily across market ups and downs, which averages your purchase cost over time (rupee-cost averaging). SIPs make long-term wealth creation accessible to everyone in Salem, even with small monthly amounts.

Use the SIP calculator above to estimate how much your regular investments could grow over your chosen horizon.

How a SIP Grows Your Wealth

The real power of a SIP is compounding– your returns are reinvested and go on to earn further returns. The estimated future value is calculated as:

M = P × (((1+i)n− 1) / i) × (1+i)

Where Pis your monthly investment, iis the expected monthly return (annual rate ÷ 12 ÷ 100) and nis the total number of months. The longer you stay invested, the more dramatic the compounding effect becomes.

Benefits of Investing Through a SIP

  • Start small– begin with an affordable monthly amount and increase it over time.
  • Rupee-cost averaging– buying across market cycles smooths out volatility.
  • Power of compounding– long-term investing can turn small sums into a large corpus.
  • Disciplined habit– automated monthly investing keeps you consistent.
  • Flexibility– pause, increase or redeem as your goals change.
    • FAQ

    SIP Calculator FAQs

    How does a SIP calculator work?
    It uses the future-value formula M = P × (((1+i)^n − 1) / i) × (1+i), where P is the monthly investment, i the monthly expected return and n the number of months.
    What is the power of compounding in SIP?
    Your returns are reinvested and earn further returns. Over long periods, this compounding can grow modest monthly investments into a substantial corpus.
    Are SIP returns guaranteed?
    No. SIPs invest in market-linked instruments, so returns depend on market performance. The calculator shows an estimate based on an assumed rate of return.
    How much should I invest in a SIP?
    Start with an amount you can sustain every month. Even a small SIP, continued consistently over the long term, can build meaningful wealth.

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