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SIP Calculator (Systematic Investment Plan)

Estimate long-term wealth created through monthly disciplined mutual fund SIP investments.

Parameters

Currency:
₹10k
₹
%
1%35%
Years
1Years40Years
Expected Maturity ValueWealth Gain: ₹3,245,760
₹5,045,760
Total Amount Invested
₹1,800,000
Wealth Gain (Returns)
₹3,245,760
Final Portfolio Value
₹5,045,760

About this Calculation

Estimate long-term wealth created through monthly disciplined mutual fund SIP investments.

100% Client-SideZero Data TransmissionDeterministic Precision

SIP Calculator (Systematic Investment Plan) Formula

M = P × [((1 + i)^n - 1) / i] × (1 + i)

A Systematic Investment Plan (SIP) compounds regular periodic contributions using the annuity due future value formula.

Variable Definitions
MExpected future maturity corpus
PRegular monthly installment contribution
iPeriodic monthly rate of return = (Annual Return % / 12) / 100
nTotal count of installment deposits (Years × 12)
Calculation Steps
  1. 1Calculate the monthly equivalent return rate: i = Expected Annual Rate / 1200.
  2. 2Determine the total number of monthly investments: n = Investment Horizon in Years × 12.
  3. 3Evaluate the compounding accumulation ratio: ((1 + i)^n - 1) / i.
  4. 4Multiply by monthly deposit P and annuity adjustment (1 + i) to determine final corpus value.
  5. 5Deduct total invested capital (P × n) to determine total wealth gain generated.

Worked Example: Real-time Evaluation

Active Parameters
Active User Parameters: Monthly Investment: ₹10,000 | Expected Return Rate (% p.a.): 12 % | Time Horizon (Years): 15 Years.

Mathematical Execution: Using the active input parameters, the in-browser execution engine evaluates the mathematical formula with zero latency.

All calculations and schedules recalculate instantly as inputs or sliders adjust.

Frequently Asked Questions

By investing a fixed dollar amount each month, you buy more mutual fund units when market prices are low and fewer units when prices are high, lowering your average cost per unit over time.

Assumptions & Accuracy

  • Assumes standard standard-state values
  • Rounded to standard decimal precision

Accuracy Note: Accurate to standard floating point precision.

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