SIP Calculator

Plan your Systematic Investment Plan (SIP) and calculate future wealth creation. Visualize your investment growth with interactive charts and projections.

Investment Details

$100 $10,000
5% 25%
Historical average returns: Equity funds 10-15%, Debt funds 6-8%
1 Year 30 Years

Advanced Options

Increase SIP amount annually by this percentage
One-time initial investment amount
To calculate real returns adjusted for inflation
Future Value
$2,32,339
Total corpus after investment period
Total Investment
$1,20,000
Total Returns
$1,12,339
Wealth Gain
93.6%
Real Value
$1,29,876

Investment Growth Over Time

Investment vs Returns

Investment Growth Strategies

Start Early

The power of compound interest is most effective when you start investing early. Time is your greatest asset in building wealth.

Consistent Contributions

Regular monthly contributions can significantly boost your investment growth through dollar-cost averaging.

Higher Returns

Even a small increase in annual returns can dramatically impact your final amount due to compounding effects.

Long-Term Focus

Compound interest works best over longer time periods. Stay invested and let time work in your favor.

Understanding SIP Investment

What is SIP?

Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly. It helps in rupee cost averaging and building wealth over time.

The Formula

FV = PMT × [((1 + r)^n - 1) / r] × (1 + r)

  • FV = Future value of SIP
  • PMT = Monthly investment amount
  • r = Monthly interest rate (annual rate / 12)
  • n = Total number of monthly investments

Why It Matters

SIP harnesses the power of compounding and rupee cost averaging. The earlier you start and the longer you stay invested, the more powerful the wealth creation becomes. This is why financial experts often recommend starting SIP investments as early as possible.