SIP Calculator

A Systematic Investment Plan (SIP) involves investing a fixed amount at regular intervals, typically monthly. This calculator estimates the future maturity value of your SIP based on an assumed rate of return, using the standard future-value-of-annuity formula.

How to Use This Tool

  1. Enter the amount you plan to invest each month.
  2. Enter the expected annual rate of return.
  3. Enter the investment period in years.
  4. The estimated maturity value, total invested amount and total gains update automatically.

Formula

M = P × [((1 + i)^n − 1) / i] × (1 + i) Where: M = Maturity value P = Monthly investment amount i = Monthly rate of return (annual rate ÷ 12 ÷ 100) n = Total number of monthly installments

Example: investing 5,000 per month for 10 years at an assumed 12% annual return gives a total invested amount of 600,000 and an estimated maturity value of roughly 1,161,700.

Why Use ToolVigo's SIP Calculator

  • Instant recalculation as you adjust any field.
  • Clearly separates total invested principal from estimated gains.
  • Uses the standard future-value-of-a-growing-annuity formula used by most SIP calculators.

Privacy & Security

This tool runs entirely in your browser. Your input is never uploaded to ToolVigo's servers, and nothing is stored once you leave the page.

This calculator provides an estimate based on an assumed constant rate of return, for informational purposes only. It is not financial advice. Actual investment returns fluctuate with market conditions and are never guaranteed. Consult a licensed financial advisor before making investment decisions.

Frequently Asked Questions

What is a SIP?

A Systematic Investment Plan is a method of investing a fixed sum at regular intervals — commonly monthly — into a mutual fund or similar instrument, rather than investing a lump sum at once.

Is the rate of return guaranteed?

No. The expected return you enter is an assumption for estimation purposes only; actual market-linked investment returns vary and are never guaranteed.

Does this account for inflation or taxes?

No — this calculates a nominal maturity value only. Inflation, taxes, and fund expense ratios would all reduce the real, take-home value of the returns shown here.

Related Tools

EMI Calculator

Calculate monthly loan EMI, total interest and payment schedule.

PDF Merge

Combine two or more PDF files into a single document, in any order.

PDF Split

Split a PDF into individual pages or fixed-size chunks, downloaded as a ZIP.

PDF Rotate

Rotate all or selected pages of a PDF by 90, 180 or 270 degrees.