SIP Calculator
Plan your wealth with monthly SIPs. Compare invested amount vs. market returns under different compounding frequencies.
Calculator Inputs
- Future Value (FV) uses monthly SIP compounding.
- Displays total invested vs. estimated returns for the selected period.
SIP FAQs
How is the compounding frequency applied if my SIP is monthly?
We convert your selected compounding (monthly/quarterly/half-yearly/yearly) to an effective monthly rate and then compound monthly SIPs using that rate. This keeps maths fair and realistic.
What formula is used for Future Value of SIP?
FV of monthly SIP: FV = P × [(1 + i)n − 1] / i × (1 + i), where P is monthly SIP, i is effective monthly rate and n is months.
How do you calculate required monthly SIP for a goal?
We invert the FV formula: P = Goal ÷ ([(1 + i)n − 1] / i × (1 + i)), using the same effective monthly rate and total months.
Does this include expense ratio, taxes, or exit loads?
No. This is an educational estimate. Actual returns vary due to market movement, expense ratios, tracking errors, and taxes.
What is a good return assumption?
Be conservative. Many investors model equity SIPs at 10%–12% p.a. long term, but this is not advice—choose based on your risk profile.