Investing & Wealth

SIP Calculator (Systematic Investment Plan)

Calculate future wealth, maturity value, and compound interest returns from monthly Systematic Investment Plans (SIP) in mutual funds and ETFs.

What this calculator does

The SIP Calculator (Systematic Investment Plan) estimates your result instantly from the values you enter, using standard investing & wealth formulas. Calculate future wealth, maturity value, and compound interest returns from monthly Systematic Investment Plans (SIP) in mutual funds and ETFs. Calculations run in your browser, so nothing you type is sent to a server, and the output is an estimate for planning rather than financial advice.

About SIP Calculator (Systematic Investment Plan)

The SIP Calculator projects wealth accumulation and capital growth from regular monthly Systematic Investment Plans (SIP) in index funds, mutual funds, and equities over 1 to 30 years.

Formula & Mathematical Calculation

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

Where P = Monthly SIP Amount, i = Monthly Rate (Annual Rate / 12), n = Number of Months.

Calculation Example

$500/Month SIP @ 12% Expected Return for 20 Years (240 Months): Total Invested = $120,000. Maturity Value = $499,574.00 (Wealth Gain = $379,574.00!).

Key Benefits

  • Calculates maturity value and wealth created from monthly SIPs
  • Visualizes principal invested vs. compounding wealth gain
  • Models step-up annual SIP increases (+5% or +10%/year)
  • Ideal for mutual fund, ETF, and 401(k) planning
  • 100% free wealth projection tool

How to Use this Calculator

  1. Enter Monthly SIP Amount
    Input monthly deposit amount (e.g. $250, $500, $1,000).
  2. Enter Expected Annual Return (%)
    Input average annual return (e.g. 10-12% for equities).
  3. Select Investment Horizon
    Choose investment duration in years.
  4. Calculate Maturity Wealth
    Click Calculate to view projected portfolio value and wealth gain.

Assumptions & Limitations

What the calculation assumes

  • Every value you enter is treated as an exact, known amount.
  • Rates and contributions are assumed to stay constant for the whole period unless the form asks for them separately.
  • Results use standard financial formulas and ignore fees, penalties and promotional terms that are not entered above.
  • Inflation, tax changes and market volatility are not modelled unless a field for them is provided.
  • Amounts are unit-agnostic: results are returned in the same currency you enter.

What it does not cover

  • SIP Calculator (Systematic Investment Plan) produces estimates for education and planning, not a quote, offer or professional advice.
  • Real-world outcomes differ when fees, taxes, rounding rules or provider-specific terms apply.
  • Local regulations and tax rules vary by country and change over time; verify current rules for your jurisdiction.
  • Figures are only as accurate as the inputs you supply — check them before acting on the result.
  • For decisions with lasting financial impact, confirm the numbers with a qualified professional.

Frequently Asked Questions

A SIP is an investment method where an investor deposits a fixed amount into mutual funds or ETFs at regular intervals (usually monthly), utilizing dollar-cost averaging to build long-term wealth.

You May Also Need

Rule of 72 Calculator

Calculate how many years it takes for your investment to double in value at any...
Investment Return Calculator

Calculate total return, capital gains, dividend reinvestment, and inflation-adju...

Next step: browse the full Investing & Wealth calculators or read the related guides for context before you decide.