About SIP Calculator
SIP expands to Systematic Investment Plan which provides you the option to invest an amount on a monthly basis for a defined duration and at a certain expected rate of return. Usually SIPs are great to develop an investment discipline while planning for your future financial goals.
Our SIP calculator is designed to provide you information on your future SIP value at the end of SIP duration. We hope to support you in planning for your financial future.
SIP Calculator
Total Value: ?0
Total Investment: ?0
Expected Return: ?0
SIP Calculator Formula
Final Value of SIP = P * {[(1 + i)n – 1] / i} * (1+ i)
- P : Monthly Investment Amount
- i : Expected rate of return per month. If the expected return is per annum then divide it by 12/100 to convert it to per month rate of return
- n: Investment period in months. If the duration is in years then multiply it by 12
Example SIP Value Calculation
Let’s say you plan to invest Rs 15,000 every month in a SIP which has a duration of 10 years and expects to earn you a return of 12% per annum then you final SIP value will be
Final Value of SIP = 15,000 * {[(1 + (12/12/100))120 – 1] / (12/12/100)} * (1+ 12/12/100)
= Rs. 34,85,086
For this SIP, once you complete 10 years
Expected Earnings = Rs 16,85,086
Total Value = Rs. 34,85,086
SIP Interest Rate: Some Popular Funds
Based on the internet research here are some popular SIP funds and their 5 year returns
| SIP Scheme name | 5 Year Return |
| Kotak Emerging Equity Fund | 18.90% |
| ICICI Pru Large & Mid Cap Fund | 16.02% |
| SBI Equity Hybrid Fund | 12.04% |
| HDFC Flexi Cap Fund | 15.84% |
| Nippon India Multi Cap Fund | 17.28% |
Sample SIP Final Values
If your expected return is 12% and investment period is 10 years then this will be your final value based on your monthly investment
| Monthly Investment | Total Investment | SIP Final Value (After 10 years) |
| Rs. 500 | Rs. 60,000 | Rs. 1,16,170 |
| Rs. 5,000 | Rs. 6,00,000 | Rs. 11,61,695 |
| Rs. 20,000 | Rs. 24,00,000 | Rs. 46,46,782 |
| Rs. 50,000 | Rs. 60,00,000 | Rs. 1,16,16,954 |
| Rs. 1,00,000 | Rs. 1,20,00,000 | Rs. 2,32,33,908 |
Other useful links
EMI Calculator
Car Loan EMI Calculator
Home Loan EMI Calculator
Personal Loan EMI calculator
BMI Calculator
Age Calculator
Disclaimer: Information on gyaankashti.com is for reference only. Amounts may differ slightly due to rounding. Please report any calculation errors in the comments.
