📘 SIP Maturity Calculator
Calculate the future value of your monthly SIP investments and plan your financial goals with precision
📘 SIP Maturity Calculator
Calculate the future value of your monthly investments
1Enter Investment Details
2Maturity Calculation Results
Adjust the sliders above to see your SIP maturity calculation
📘 SIP Maturity Calculation Formula
Mathematical Formula
Where:
Calculation Steps:
📊 Example Calculation
Input Values:
Calculated Results:
⚠️Important Notes
- •Returns are subject to market risks
- •Actual returns may vary from projections
- •Consider inflation impact on real returns
- •Longer investment periods generally yield better results
- •Regular investing helps average out market volatility
- •Consult a financial advisor for personalized advice
💡 Why Use SIP Maturity Calculator?
Goal Planning
Plan your financial goals by understanding how much your monthly SIP investments will grow over time.
Compound Growth
Visualize the power of compounding as your monthly investments grow exponentially over the years.
Time Advantage
Understand how starting early and investing consistently can significantly boost your wealth creation.
Wealth Creation
Calculate how much wealth you can create through disciplined monthly investments in mutual funds.
Investment Planning
Make informed decisions about your monthly investment amount based on your target corpus.
Regular Investing
Benefit from rupee cost averaging by investing a fixed amount regularly regardless of market conditions.
🌟 Key Features of SIP Investment
Disciplined Investing
Automated monthly investments help maintain investment discipline
Rupee Cost Averaging
Buy more units when prices are low, fewer when prices are high
Flexible Investment
Start with as low as ₹500 per month and increase gradually
Power of Compounding
Your returns generate their own returns over time
Tax Benefits
ELSS SIPs offer tax deduction under Section 80C
Goal-Based Investing
Align your SIPs with specific financial goals and timelines
❓ Frequently Asked Questions
What is the future value in SIP?▼
The future value in SIP is the total amount your monthly investments will grow to at the end of your investment period. It includes both your principal investment and the returns earned through compounding.
Example: If you invest ₹5,000 monthly for 10 years at 12% annual return, your future value will be approximately ₹11.81 lakhs, where ₹6 lakhs is your investment and ₹5.81 lakhs is the wealth gained.
Can I get rich through SIP?▼
SIP can help you build substantial wealth over time through the power of compounding and disciplined investing. However, "getting rich" depends on your investment amount, time horizon, and expected returns.
Long-term wealth creation examples:
- • ₹10,000/month for 20 years at 12% = ₹99.91 lakhs
- • ₹25,000/month for 15 years at 12% = ₹1.37 crores
- • ₹50,000/month for 10 years at 12% = ₹1.16 crores
What if I increase SIP every year?▼
Increasing your SIP amount annually (Step-up SIP) can significantly boost your wealth creation. Even a 10% annual increase can make a substantial difference to your final corpus.
Comparison Example (10 years at 12% return):
Fixed SIP: ₹5,000/month
Final Value: ₹11.81 lakhs
Step-up SIP: ₹5,000 + 10% yearly
Final Value: ₹15.30 lakhs
Additional wealth: ₹3.49 lakhs (29.5% more!)
How accurate is the SIP maturity calculator?▼
The SIP maturity calculator provides accurate mathematical projections based on the compound interest formula. However, actual returns may vary due to market volatility and fund performance.
Important considerations:
- • Market returns fluctuate and are not guaranteed
- • The calculator assumes a constant rate of return
- • Actual mutual fund returns vary based on market conditions
- • Consider inflation impact on real returns
- • Use conservative estimates for better planning
What's the minimum SIP amount to start investing?▼
Most mutual funds allow you to start SIP with as low as ₹500 per month. However, investing more can help you achieve your financial goals faster.
SIP amount recommendations:
Tip: Start with what you can afford and gradually increase your SIP amount as your income grows.
💡Pro Tips for SIP Success
- •Start early to maximize compounding benefits
- •Stay invested for the long term (5+ years)
- •Don't stop SIP during market downturns
- •Review and rebalance your portfolio annually
- •Consider step-up SIP for better returns
- •Diversify across different fund categories