SIP Calculator
Calculate returns on your Systematic Investment Plan. See how small monthly investments grow over time.
Enter Details
Invested Amount
₹12.00 L
Est. Returns
₹11.23 L
Total Value
₹23.23 L
Year-wise Growth — Invested vs Returns
Blue = Your money invested | Green = Returns earned (power of compounding!)
Year-by-Year Breakdown
| Year | Invested (₹) | Returns (₹) | Total Value (₹) |
|---|---|---|---|
| 1 | 1.20 L | 8,093 | 1.28 L |
| 2 | 2.40 L | 32,432 | 2.72 L |
| 3 | 3.60 L | 75,076 | 4.35 L |
| 4 | 4.80 L | 1.38 L | 6.18 L |
| 5 | 6.00 L | 2.25 L | 8.25 L |
| 6 | 7.20 L | 3.38 L | 10.58 L |
| 7 | 8.40 L | 4.80 L | 13.20 L |
| 8 | 9.60 L | 6.55 L | 16.15 L |
| 9 | 10.80 L | 8.68 L | 19.48 L |
| 10 | 12.00 L | 11.23 L | 23.23 L |
How SIP Works
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. Your money grows through the power of compounding — returns earned on returns.
SIP Formula
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Where: P = Monthly investment, r = Monthly return rate (annual/12), n = Total months
Benefits of SIP
- Rupee cost averaging — buy more units when prices are low
- Power of compounding — returns earn returns over time
- Discipline — automated investing removes emotion
- Start small — begin with just ₹500/month