SIP Calculator
Calculate SIP step by step: Future value of regular contributions: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where i is the return per period and n the number of periods.
In short
Formula: Future value of regular contributions: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where i is the return per period and n the number of periods.
What this calculator does
Calculate SIP step by step: Future value of regular contributions: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where i is the return per period and n the number of periods. Worked example, questions and limitations included.
Use it to turn Currency (symbol only, never converted), Contribution each period, Contribution frequency, Expected annual return, and the other shown inputs into a checked result you can compare, copy, or rerun with different assumptions.
The page shows the formula, a numeric worked example, and the assumptions that affect this personal finance calculation.
Inputs and what they mean
- Currency (symbol only, never converted)
- — choice value.
- Contribution each period
- — number value.
- Contribution frequency
- — choice value.
- Expected annual return
- — number value.
- Investment period
- — number value.
How to use it
- Enter each value in the unit shown next to the box (use the unit converter first if your numbers are in other units).
- Check the breakdown to see every intermediate step.
- Read the limitations before relying on the result.
Formula
Contributions are treated as made at the start of each period (annuity due), which is how most systematic investment plans are dated.
The expected return is your own assumption — no return is suggested or built in.
A SIP (systematic investment plan) is simply a regular contribution; the maths is the future value of an annuity (OpenStax Principles of Finance).
Future value of regular contributions: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where i is the return per period and n the number of periods.
Inputs used: Currency (symbol only, never converted), Contribution each period, Contribution frequency, Expected annual return, Investment period.
Worked example
Monthly investing
- i = 12% ÷ 12 = 1% per month; n = 120 months.
- FV = 10,000 × [((1.01)¹²⁰ − 1) ÷ 0.01] × 1.01 ≈ ₹2,32,339 × ... = ₹23,23,391.
- Paid in: ₹12,00,000; growth ≈ ₹11,23,391.
Reading the result
The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.
Limitations and assumptions
- Constant return assumed; real returns fluctuate.
- No fees, taxes or inflation.
- Not investment advice.
- Results are educational estimates built only from the figures you enter. They are not personalised investment, tax, legal or accounting advice. Rates, growth and discount assumptions are always yours to choose.
- The result depends on the values you enter for this sip calculator; it does not supply missing rates, rules, prices, dates, or assumptions for you.
Common questions
Is the expected return guaranteed?
No. It is an assumption you type in. Actual returns vary and can be negative.
Does this include fees or tax?
No. Fund fees, expense ratios and taxes on gains are not deducted — subtract them from your assumed return if you want a net figure.
Why start-of-period contributions?
Most SIPs invest on a set date at the start of the period. End-of-period contributions would give a slightly lower total.
How do I use the SIP Calculator?
Enter the required values for Currency (symbol only, never converted), Contribution each period, Contribution frequency, Expected annual return, Investment period. The calculator applies the formula on this page and shows the main result with any supporting breakdown so you can check the arithmetic.
What formula does the SIP Calculator use?
Future value of regular contributions: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where i is the return per period and n the number of periods. The visible formula section above lists the calculation path and the edge cases the page handles, so the result can be checked without relying on the form alone.
Can the SIP Calculator be used for exact decisions?
Use it as a calculation aid, not as a substitute for checking the underlying rule, contract, policy, or professional advice that applies to your situation. When a result depends on local rules, personal details, prices, or dates, enter those values yourself and confirm them before acting.
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