Stock Market SIP Calculator
Calculate your estimated SIP investment value, total investment and potential returns.
Calculate Your SIP Returns
Investment vs Estimated Returns
What is a SIP?
A Systematic Investment Plan (SIP) allows an investor to invest a fixed amount regularly, usually every month, into a mutual fund or other investment product. SIP investing can help investors follow a disciplined investment approach over a long period.
How Does the SIP Calculator Work?
The calculator estimates the future value of your regular investments using your monthly investment amount, expected annual return and investment duration.
SIP Formula
P = Monthly SIP investment
r = Monthly expected rate of return
n = Total number of monthly investments
Example
| Investment | Value |
|---|---|
| Monthly SIP | ₹5,000 |
| Expected Return | 12% per year |
| Investment Period | 10 years |
| Total Investment | ₹6,00,000 |
| Estimated Future Value | Approximately ₹11.6 lakh* |
*The example is an illustration based on the assumed return rate. Actual market-linked investment returns can be higher or lower.
Benefits of Using a SIP Calculator
- Estimate potential future investment value.
- Understand the effect of investment duration.
- Compare different monthly SIP amounts.
- Estimate the potential effect of increasing your SIP every year.
- Plan long-term investment goals.
Factors That Affect SIP Returns
1. Monthly Investment
A higher monthly investment generally results in a larger total investment over the same period, although the final market-linked value depends on actual returns.
2. Investment Duration
Longer investment periods can allow more time for compounding, but they do not guarantee a particular return.
3. Rate of Return
The expected annual return is only an assumption used for calculation. Market-linked investments do not provide guaranteed returns.
4. SIP Step-Up
Increasing your SIP amount periodically can increase the amount invested over time and may increase the potential future value.