Plan your systematic investments with detailed projections and analysis
Compare the returns of SIP vs one-time lumpsum investment over the same period.
Total Investment
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Est. Returns
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Total Value
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CAGR
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XIRR
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| Year | Investment | Returns | Total Value |
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SIP Final Value
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Lumpsum Final Value
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A SIP calculator helps investors estimate the future value of their systematic investment plan (SIP). It calculates how much your monthly investment can grow based on the expected rate of return and investment period.
SIP investing is commonly used in mutual funds where investors contribute a fixed amount every month. Over time, the power of compounding helps grow wealth significantly.
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
P = Monthly Investment
r = Monthly Interest Rate
n = Total Number of Months
Monthly Investment: $500
Expected Return: 12% per year
Investment Period: 20 years
Total Investment: $120,000
Estimated Future Value: $499,574
SIP stands for Systematic Investment Plan where investors invest a fixed amount regularly in mutual funds.
SIP returns are calculated using compound interest where monthly investments grow based on expected annual returns.
SIP reduces market timing risk by investing regularly and benefits from rupee cost averaging.
Historically mutual fund SIP returns range between 10% and 15% annually depending on the market.