Calculate the future value of your monthly investments with compounding.
Total Invested:
Estimated Returns:
Total Value:
Understanding Systematic Investment Plans (SIP)
A Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds. Instead of a lump-sum payment, you invest a fixed amount regularly (monthly or quarterly). This method leverages Rupee Cost Averaging and the Power of Compounding to build long-term wealth.
Why Use a SIP Calculator?
Our SIP calculator helps you visualize how small, regular contributions grow over time. By adjusting the expected return rate and investment duration, you can set realistic financial goals for retirement, education, or home purchases.
Example Calculation:
If you invest ₹10,000 per month for 15 years at an expected return of 12%:
Total Invested: ₹18,00,000
Estimated Returns: ₹32,45,760
Total Maturity Value: ₹50,45,760
This demonstrates how staying invested for the long term can significantly multiply your principal amount through compounding interest.
function calculateSIP() {
var p = parseFloat(document.getElementById('sipAmount').value);
var r = parseFloat(document.getElementById('sipRate').value);
var n = parseFloat(document.getElementById('sipYears').value);
if (isNaN(p) || isNaN(r) || isNaN(n) || p <= 0 || r <= 0 || n <= 0) {
alert("Please enter valid positive numbers for all fields.");
return;
}
// Formula: FV = P × ({[1 + i]^n – 1} / i) × (1 + i)
// i = monthly rate of return
// n = number of payments (months)
var monthlyRate = r / 12 / 100;
var months = n * 12;
var totalInvested = p * months;
var futureValue = p * ((Math.pow(1 + monthlyRate, months) – 1) / monthlyRate) * (1 + monthlyRate);
var estimatedReturns = futureValue – totalInvested;
document.getElementById('resInvested').innerText = "₹" + totalInvested.toLocaleString('en-IN', {maximumFractionDigits: 0});
document.getElementById('resReturns').innerText = "₹" + estimatedReturns.toLocaleString('en-IN', {maximumFractionDigits: 0});
document.getElementById('resTotal').innerText = "₹" + futureValue.toLocaleString('en-IN', {maximumFractionDigits: 0});
document.getElementById('sipResult').style.display = 'block';
}