SIP Calculator
Calculate how much your monthly mutual fund investments will grow over time.
Input Details
Result
What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator is a financial planning tool that helps you estimate the future value of your mutual fund investments made through SIP. SIP allows you to invest a fixed amount regularly (typically monthly) in a mutual fund scheme, helping you build wealth through disciplined investing and the power of compounding.
Our SIP Calculator uses the compound interest formula to calculate returns, considering your monthly investment amount, expected annual rate of return, and investment duration. It shows you the total amount invested, estimated returns, and the final corpus you can build over time, helping you plan your financial goals effectively.
How does a SIP Calculator work?
The SIP calculator uses the future value of annuity formula, which accounts for monthly investments compounding over time. Each monthly installment is treated as a separate investment that grows at the expected rate of return, and the calculator sums up all these investments to show your total corpus at maturity.
Benefits of SIP Investing
- Disciplined Investing: SIP enforces regular investing habits, helping you build wealth systematically
- Rupee Cost Averaging: By investing fixed amounts regularly, you buy more units when prices are low and fewer when prices are high
- Power of Compounding: Your returns earn returns, leading to exponential wealth creation over time
- Flexibility: Start with as little as ₹500 per month and increase your investment as your income grows
Advantages of Using Braihn's SIP Calculator
- ✓Accurate Return Projections
Get precise estimates of your investment corpus using the correct compound interest formula for monthly SIP investments.
- ✓Visual Breakdown
See a clear breakdown of invested amount vs returns through interactive charts, helping you understand the power of compounding.
- ✓Goal-Based Planning
Plan your SIP investments to achieve specific financial goals like retirement, child's education, or home purchase.
- ✓Real-Time Calculations
Instantly see how changes in investment amount, duration, or expected returns affect your final corpus.
- ✓Free Financial Planning Tool
Plan your investments without any cost. No registration required - use our calculator anytime to plan your SIP investments.
Frequently Asked Questions
What is the minimum amount for SIP?
Most mutual funds allow you to start a SIP with as little as ₹500 per month. However, some funds may have higher minimum investment requirements. Check with your fund house for specific limits.
How is SIP return calculated?
SIP returns are calculated using the compound interest formula, where each monthly installment compounds at the expected rate of return. The calculator accounts for the fact that each installment has a different investment period.
Can I change my SIP amount during the investment period?
Yes, most mutual funds allow you to increase, decrease, or pause your SIP investments. You can also set up step-up SIPs that automatically increase your investment amount annually.
What is the ideal SIP duration?
SIP works best when invested for the long term (5+ years) to benefit from compounding and market cycles. However, the ideal duration depends on your financial goals and risk tolerance.
Are SIP returns guaranteed?
No, SIP returns are not guaranteed as they depend on market performance. Mutual funds are subject to market risks. However, historical data shows that long-term SIP investments in equity funds have delivered good returns.
Need Help with Investment Planning?
Connect with verified financial advisors on Braihn who can help you with SIP planning, mutual fund selection, and all your investment-related queries.
Find a Professional