Investment
SIP Calculator
See how your monthly Systematic Investment Plan grows over time with the magic of compounding.
SIP details
₹1.20 L per year
Equity MF long-term average: 10–14%
Future value
₹50,45,760
after 15 years @ 12%
- Total invested
- ₹18,00,000
- Wealth gained
- ₹32,45,760
- Multiplier
- 2.80×
Formula: FV = P × [((1+r)ⁿ − 1)/r] × (1+r), where r is monthly return and n is number of months.
Invested vs returns
- Invested
- Returns
Total: ₹50.46 L
Year-by-year growth
Formula
How the math works
FV = P × [ ((1 + r)ⁿ − 1) / r ] × (1 + r)
- P
- Monthly investment (₹)
- r
- Expected monthly return = annual return ÷ 12 ÷ 100
- n
- Number of monthly instalments
Method
How it works
- 1
Enter the amount you plan to invest every month.
- 2
Pick a realistic expected annual return — for Indian equity funds, 10–14% is a fair long-term average.
- 3
Set the number of years you’ll stay invested.
- 4
CalcPe compounds each instalment and shows the future value, invested amount and wealth gained.
Worked example
A quick walkthrough
Inputs
₹10,000 monthly SIP for 15 years at 12% p.a.
Steps
- Total instalments n = 15 × 12 = 180
- Monthly rate r = 12 / 12 / 100 = 0.01
- FV = 10,000 × [(1.01)¹⁸⁰ − 1] / 0.01 × 1.01
Result
Future value ≈ ₹50,45,760 · invested ₹18,00,000 · wealth gained ≈ ₹32,45,760
Why use it
Why CalcPe’s SIP Calculator
- Build wealth without timing the market.
- Rupee-cost averaging smooths out volatility.
- Small monthly amounts become large corpora over 15–20 years.
- Model retirement, child’s education or a big purchase.
FAQ
Frequently asked questions
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