SIP Calculator

Estimate the potential returns on your Systematic Investment Plan (SIP) and plan your financial goals.

Investment Details

5,000
12 %
10 Years

Maturity Amount

0

Total Investment

0

Wealth Gained

0

Year-wise Growth Projection

Year Investment in Year Return in Year Total Investment Maturity Value
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Investment Planner

Calculate Systematic Investment Plan (SIP) Growth

Estimate your future mutual fund wealth, total investments, and compound growth returns using systematic monthly additions.

1

Enter Monthly SIP

Input the fixed sum of money you plan to invest systematically each month.

2

Set Annual Returns

Specify the expected yearly return rate (e.g. 12% for equity funds).

3

Choose Invest Term

Choose the investment tenure duration in years or total monthly blocks.

4

Review Future Wealth

Instantly review the projected maturity value, total principal, and wealth gains.

Mutual Fund Returns Estimator
Compound Interest Growth
100% Private local parsing
Layout Grid

Compounding returns & systematic wealth schedules

Periodic Compounding

Applies standard periodic compound interest to regular monthly savings additions.

Capital vs Wealth Splits

Explicitly isolates your total cumulative deposits from the net wealth generated.

Expected Return Testing

Simulate growth profiles using custom return rates to align with asset classes.

Annual Statements

Maps out yearly statements indicating opening balance, deposits, returns earned, and closing balances.

Secure Sandbox Calculations

All data processing is run locally on the client thread, preventing any transaction data leaks.

SIP FAQs

Frequently Asked Questions

1 What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where an investor makes regular, equal payments (e.g. monthly or quarterly) into a chosen fund, instead of making a one-time lump-sum deposit.
2 How is SIP growth calculated?
SIP return uses the Future Value of an Annuity formula: FV = P x [((1 + i)^n - 1) / i] x (1 + i), where P is the monthly deposit, i is the periodic interest rate (annual return / 12), and n is the total number of monthly payments.
3 What is rupee cost averaging in SIP?
Rupee cost averaging is an investment strategy where you buy more units of a fund when market prices (NAV) are low, and fewer units when prices are high. Over time, this smooths out market volatility, lowering the average cost per unit.
4 Is mutual fund SIP return guaranteed?
No. SIP investments in mutual funds are subject to market risks. The return rates entered into the calculator are for projection purposes only. Actual returns vary depending on the mutual fund's performance and market dynamics.
5 Are my investment numbers secure?
Yes. All SIP parameters, expected interest rates, and term balances are calculated locally inside your browser thread sandbox. No investment variables are sent or recorded on external databases.