SIP Calculator
Estimate the future value of your systematic investment plans (SIP) in mutual funds. Visualize wealth gains and schedule breakdowns.
Calculate future value of systematic mutual fund investments
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Year-by-Year Growth Table
| Year | Invested Principal | Est. Yield (Returns) | Maturity Balance |
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How to use this tool
What is a SIP?
A Systematic Investment Plan (SIP) is a method where you invest a fixed amount of money at regular intervals into mutual funds or other investments, benefiting from rupee cost averaging and compounding over time.
How to Plan Your SIP
Set up your periodic savings expectations to model your compound growth.
Monthly Deposit
Choose a regular amount you can comfortably automate. Consistency is the primary accelerator of long-term returns.
Expected Return (%)
Enter the annual rate of return expected from your investment (e.g., 10% to 15% for typical equity mutual funds).
Time Horizon
Select the duration of your SIP. Longer durations let compound interest grow your contributions exponentially.
The SIP Compounding Formula
The future value of a Systematic Investment Plan is calculated using the future value of an annuity-due formula:
FV = P × [((1 + i)n - 1) / i] × (1 + i)
Frequently Asked Questions
Quick answers to common questions about systematic plans.
Can I change my SIP amount later?
Yes. While this calculator models a fixed monthly amount, most mutual funds allow you to increase (Step-up SIP) or decrease your contributions at any time without penalties.
Are SIP returns guaranteed?
No. Mutual fund returns are subject to market risks. This calculator simulates growth using a constant expected rate of return for modeling purposes.
Privacy & Safety Policy
All tools run completely in your browser via client-side JavaScript. We do not upload your files, interest parameters, or JSON payloads to any server. Your data remains yours.