SIP & Mutual Fund Calculator
Project the compounding returns of your monthly SIPs or one-time lumpsum investments instantly.
Year-by-Year Wealth Projection
Frequently Asked Questions & Guide
What is a Systematic Investment Plan (SIP)?
An SIP is an investment route offered by mutual funds where you invest a fixed amount of money at regular intervals (e.g. monthly) into a chosen mutual fund or equity basket. It helps instill financial discipline and leverages rupee cost averaging.
What is the compounding formula for SIP returns?
SIP values are calculated using the Future Value of an Annuity formula:
M = P × [ (1 + i)n - 1 ] × (1 + i) / i
Where: M = Future Value, P = Monthly investment, i = Monthly interest rate (annual rate / 12 / 100), and n = Total number of months.
How does Lumpsum compounding differ from SIP?
A Lumpsum investment is a one-time capital commitment. It compounds annually using the standard compound interest formula: A = P × (1 + r/100)t. SIP involves continuous recurring purchases, meaning each monthly installment gets compounded for a different duration.
How can the Goal Planner help me?
If you have a future target corpus in mind (e.g., ₹1 Crore for buying a house or retiring in 15 years), the Goal Planner reverses the formula to calculate the exact monthly SIP amount required to achieve that target based on your expected return rate.