SIP Investment Calculator
Project the maturity value of your monthly investments
Maturity Value
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Total Invested
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Wealth Gained
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A Systematic Investment Plan (SIP) lets you invest a fixed amount every month and grow your wealth through the power of compounding. This SIP calculator projects your investment's maturity value based on your monthly contribution, expected annual return, and investment horizon, so you can plan long-term financial goals with clarity.
How to Use the SIP Calculator
- 1Enter how much you plan to invest every month.
- 2Enter the expected annual rate of return for your investment.
- 3Enter how many years you intend to keep investing.
- 4See your projected maturity value, total invested amount, and wealth gained.
Why Use This Tool
- Models compound growth the same way most SIP/mutual fund calculators do.
- Instantly separates your actual investment from the returns earned.
- Useful for comparing different monthly contribution amounts.
- Runs fully in-browser with no account required.
Frequently Asked Questions
What return rate should I assume?
Historical long-term equity mutual fund returns are often modeled between 10-15% annually, but actual returns vary with market conditions — treat the output as an estimate, not a guarantee.
Is SIP better than a lump sum investment?
SIP spreads your investment over time and can reduce the impact of market timing (rupee-cost averaging), while lump sum investing puts all your money to work immediately — both have merit depending on your risk tolerance.
Does this account for inflation?
No, this calculator shows nominal maturity value. To estimate real purchasing power, subtract your expected inflation rate from the return rate before calculating.