What does the SIP Calculator do?
The SIP Calculator projects the future value of systematic monthly investments in mutual funds. It shows your invested amount, the returns earned, and a yearly growth chart so you can see how the power of compounding builds your corpus over time — and plan a monthly amount to hit a specific target.
Common uses
- Wealth building — estimate how much a fixed monthly SIP will grow to over 10-30 years at an assumed return
- Target planning — work backwards from a goal (wedding, education, retirement) to find the monthly investment needed
- Invested vs gains — see the split between the money you actually put in and the returns it generated
- Lumpsum vs SIP — compare making a one-time investment with spreading the same money across monthly SIPs
Key features
- Yearly growth chart — a year-by-year chart shows your corpus growing as contributions and compounding stack up
- Invested vs gains — a clear split of the final value into the principal you invested and the returns it earned
- Target planning — enter a goal amount and the tool tells you the monthly SIP needed to reach it at an assumed return
How it works
Enter your monthly investment, a time horizon, and an expected annual return (12% is a common planning assumption for equity mutual funds). The tool compounds each monthly contribution over the period using a standard future-value formula. It then splits the result into the total invested versus the gains, and charts the growth year by year so you can see how compounding accelerates the later years.
Verdict
The SIP Calculator turns a monthly amount into a realistic future corpus, showing invested vs gains on a yearly chart and letting you plan toward a specific target.