What is SIP and Why Use a Calculator?
A Systematic Investment Plan (SIP) invests a fixed amount monthly in mutual funds. A SIP calculator projects how your investments grow with compounding over 5, 10, or 20 years.
Indian investors use SIP calculators to plan retirement, children's education, and financial goals before committing to a fund.
How SIP Returns Are Calculated
SIP maturity uses compound interest on monthly investments. Formula: FV = P × (((1+r)^n − 1) / r) × (1+r), where P is monthly amount, r is monthly return rate, n is months.
Try different scenarios with our SIP Calculator — adjust amount, return rate, and years instantly.
SIP vs Lump Sum — Which is Better?
SIP suits salaried investors with regular income — it averages purchase cost over time. Lump sum works when you have a large amount and market timing confidence.
For loan planning alongside investments, also use our EMI Calculator.
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