Calculate SIP returns and future value of your systematic investment plan. Free online SIP calculator with formula, examples, and FAQ.
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. The SIP calculator helps you estimate the future value of your investments based on monthly contributions, expected return rate, and investment period. SIP leverages the power of rupee cost averaging and compounding to grow your wealth over time.
FV = P × [((1 + r)^n - 1) / r] × (1 + r)Where P is the monthly investment, r is the monthly rate of return (annual rate / 12 / 100), and n is the total number of months. This formula calculates the future value of an annuity due, where each payment is made at the beginning of the period, which is how SIP investments typically work.
| Input | Output |
|---|---|
| $500/month, 12% return, 10 years | Future Value: $115,019.37, Total Investment: $60,000, Returns: $55,019.37 |
| $1,000/month, 10% return, 15 years | Future Value: $414,470.31, Total Investment: $180,000, Returns: $234,470.31 |
| $200/month, 8% return, 20 years | Future Value: $117,804.08, Total Investment: $48,000, Returns: $69,804.08 |