SIP Calculator – Calculate SIP Returns Online Free
📈 SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP) and see how your wealth grows over time through the power of compounding.
Invested Amount
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Returns Earned
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Total Value
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How to Use the SIP Calculator
Enter your monthly SIP amount, the expected annual return (historical average for equity mutual funds is 12–15%), and the investment period to see the projected corpus you can build.
SIP Formula
Future Value = P × [(1+r)ⁿ – 1] / r × (1+r)
Where P = Monthly SIP amount, r = Monthly rate of return (Annual return ÷ 12 ÷ 100), and n = Total number of months.
Why Start a SIP Early?
- A ₹5,000/month SIP at 12% return for 20 years grows to over ₹49 lakh, while the total invested amount is only ₹12 lakh.
- Starting 5 years earlier can almost double your final corpus due to compounding.
- SIPs in ELSS mutual funds also qualify for tax deductions under Section 80C (up to ₹1.5 lakh per year).
- Rupee cost averaging through SIPs helps reduce the impact of market volatility.