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Investment Calculator

SIP Calculator

Estimate how your monthly SIP investment grows over time with the power of compounding — and visualise invested vs returns instantly.

₹
%
yr
Investment Breakdown
Total
Invested
Return
₹6,00,000
Invested
₹2,24,864
Returns
₹8,24,864
Total Value

SIP Calculation Formula

The mathematical formula used to calculate your SIP maturity value using compound interest.

SIP Maturity Value Formula
M = P × { [(1 + r)n − 1] / r } × (1 + r)
What Each Variable Means
M
Maturity Value
Total future value of your SIP at end of tenure
P
Monthly Contribution
Fixed amount you invest every month into the SIP
r
Monthly Return Rate
Annual rate ÷ 12 (e.g. 12% p.a. → r = 0.01/month)
n
Total Months
Investment years × 12 (e.g. 5 years = 60 months)
Worked Example

Suppose you invest ₹8,000 per month for 4 years at an expected annual return of 10%:

  • P = ₹8,000/month
  • Annual Return = 10% p.a. → r = 10 ÷ 100 ÷ 12 = 0.008333
  • n = 4 × 12 = 48 months

Applying the formula:

  • M = 8000 × [(1 + 0.008333)48 − 1] / 0.008333 × (1 + 0.008333)
  • M = 8000 × [1.48933 − 1] / 0.008333 × 1.008333
  • M = 8000 × 58.722 × 1.008333
  • M = ₹4,73,690
₹4,73,690

Maturity value for ₹8,000/month @ 10% p.a. over 4 years
Total Invested: ₹3,84,000  ·  Returns Earned: ₹89,690

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