Calculate SIP returns, total wealth gained, and compound growth over time.
The SIP (Systematic Investment Plan) Calculator projects the future maturity value of recurring monthly mutual fund or stock investments using the compound interest formula. It provides a transparent breakdown of total capital invested versus estimated wealth gained over your chosen investment horizon.
Accepts numerical values for monthly investment amount (e.g. 500 to 1,000,000), expected annual return rate (1% to 30%), and time horizon in years (1 to 40 years).
Displays calculated total investment amount, total estimated returns, total maturity wealth value, and an interactive visual proportion breakdown.
Input: Monthly: 5,000 | Expected Return: 12% | Time Period: 10 Years
Operation: Applies the formula: M = P * [((1 + i)^n - 1) / i] * (1 + i), where P=5000, i=0.01 monthly return, n=120 months.
Output: Total Invested: 600,000 | Estimated Returns: 562,095 | Total Maturity Value: 1,162,095
All financial calculations execute locally in client JavaScript. No financial amounts or personal investment targets are tracked, saved, or sent to any server.
Calculations represent mathematical projections based on a fixed annual return rate. Actual mutual fund returns fluctuate with market performance.
The calculator uses the standard compound interest annuity formula: M = P * [((1 + i)^n - 1) / i] * (1 + i), where P is monthly deposit, i is monthly interest rate, and n is total months.
The core tool calculates nominal pre-tax returns. To estimate real purchasing power, you can adjust your expected annual rate downward by expected inflation.
This tool is specifically designed for recurring monthly deposits. For single deposits, use standard compound interest equations.