SIP Calculator — Monthly Investment Planner
See how your monthly SIP investments compound into wealth over time with a detailed year-by-year breakdown
Accurate SIP Formula
Uses the standard SIP future value formula with monthly compounding for precise projections
Year-by-Year Plan
See exactly how your wealth grows each year with total invested amount, value and gains
Visual Breakdown
A clear progress bar shows the split between your invested capital and compounded returns
Related Keywords & Topics
SIP Calculator — Monthly Investment Planner
Calculator Settings
Calculation Results
Please fill in all required fields to see calculation results
Complete Guide to SIP Investing
What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount at regular intervals — typically monthly — into a mutual fund, index fund, ETF, or other investment vehicle. SIPs are one of the most powerful wealth-building strategies due to dollar-cost averaging and the magic of compounding.
Instead of trying to time the market, SIP investors consistently invest regardless of market conditions, benefiting from market dips (buying more units when prices are low) and long-term growth.
SIP Formula
Future Value of SIP:
FV = P × [((1 + r)ⁿ - 1) / r] × (1 + r)
Where: P = Monthly investment | r = Monthly rate (annual % ÷ 12 ÷ 100) | n = Number of months
Benefits of SIP Investing
Power of Compounding
Returns are reinvested, generating returns on returns — creating exponential wealth growth over long periods.
Dollar-Cost Averaging
Investing the same amount monthly means buying more units when prices are low and fewer when high — reducing average cost.
Financial Discipline
Automated monthly contributions build a savings habit and remove the temptation to spend rather than invest.
Flexible & Accessible
Start with any amount, increase or pause contributions, and withdraw funds when needed in most cases.
Tips for Maximising SIP Returns
Tip 1: Stay invested for the long term — compounding delivers its biggest gains in the later years of your plan.
Tip 2: Increase your monthly SIP amount annually (step-up SIP) to supercharge your wealth over time.
Tip 3: Diversify across asset classes (equities, bonds, index funds) to balance risk and returns effectively.
Common SIP Mistakes to Avoid
❌ Stopping SIP During Market Downturns
Market dips are actually the best time for SIP — you buy more units at lower prices which boosts long-term returns.
❌ Investing for Too Short a Period
Compounding needs time to work. Aim for at least 5–10 years to see meaningful wealth creation.
❌ Not Reviewing Your Portfolio
Review your SIP allocation annually to ensure it still matches your risk tolerance and financial goals.