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Online SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP) investments with our accurate online SIP calculator using monthly compounding and key investment variables.
Result
Expected Amount ($): 278,657.27
Amount Invested ($): 120,000.00
Wealth Gain ($): 158,657.27
Amount Invested ($):
Returns
| № | Duration (Years) | SIP Amount ($) | Future Value ($) |
|---|---|---|---|
| 1 | 5 years | 1,000.00 | 89,681.69 |
| 2 | 8 years | 1,000.00 | 185,936.57 |
| 3 | 10 years | 1,000.00 | 278,657.27 |
| 4 | 12 years | 1,000.00 | 403,584.60 |
| 5 | 15 years | 1,000.00 | 676,863.09 |
| 6 | 18 years | 1,000.00 | 1,104,255.30 |
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What Is This Tool?
This SIP calculator estimates the future value of regular monthly investments made through a Systematic Investment Plan. It applies a compound interest formula with monthly compounding to help investors project the growth of their mutual fund or other investment contributions over time.
How to Use This Tool?
- Enter your monthly investment amount (P)
- Provide the expected annual rate of return; the tool calculates the monthly rate (r) automatically
- Input the total duration in months or years to determine the number of contributions (n)
- Click the calculate button to view the future value (FV) of your SIP investment
- Review the results to understand the potential growth of your investments over time
Key Features
- Calculates SIP future value using a precise compound interest formula
- Takes into account monthly investment amount, monthly rate of return, and total contributions
- Provides clear output for long-term investment projections
- Easy and fast online access without installation
- Suitable for mutual fund investors, financial planners, and savers
Examples
- If you invest $200 monthly with an annual return of 12%, over 10 years (120 months), the future value is calculated as: FV = 200 × ((1.01)^120 - 1) / 0.01 × 1.01 ≈ $43,878.40
- This means your regular monthly SIP contributions can grow to approximately $43,878.40 after 10 years at the assumed return.
Common Use Cases
- Estimating future value of mutual fund SIP investments
- Financial planning for retirement through systematic investing
- Projecting savings for education goals with monthly contributions
- Wealth creation using regular long-term investments
- Comparing investment scenarios based on different monthly amounts or returns
Tips & Best Practices
- Use realistic annual return assumptions based on historical data or expert advice
- Consider your investment horizon carefully to select the appropriate duration
- Regularly update your inputs to reflect changes in investment amounts or expected returns
- Understand that actual returns may fluctuate, so use projections as estimates, not guarantees
- Use the calculator to compare different SIP strategies before committing
Limitations
- Assumes a fixed monthly rate of return, which may not reflect real market volatility
- Does not account for taxes, fees, or inflation that can affect investment outcomes
- Projections are estimates and actual investment performance may differ significantly
- Not designed for lump sum or irregular investment calculations
Frequently Asked Questions
- What does SIP stand for and how does this calculator work?
- SIP stands for Systematic Investment Plan. This calculator estimates the future value of your regular monthly investments by applying a compound interest formula with monthly compounding based on your inputs.
- Can this tool predict exact investment returns?
- No, it provides an estimate assuming a fixed monthly return. Actual returns may vary due to market fluctuations.
- What inputs do I need to use this SIP calculator?
- You need to enter the monthly investment amount, expected annual rate of return, and the total investment period either in months or years.
Key Terminology
- P
- Monthly investment amount in the SIP.
- r
- Monthly rate of return calculated as annual return divided by 12.
- n
- Total number of monthly contributions made during the investment period.
- FV
- Future value of the SIP investment after the entire period.
- Systematic Investment Plan (SIP)
- A method of investing fixed amounts regularly in mutual funds or other investment instruments.