What is a SIP Calculator?
A SIP Calculator helps you estimate the maturity value of a Systematic Investment Plan by considering your monthly contribution, investment tenure, and expected annual returns. This version also lets you optionally adjust results for inflation to see the real purchasing power of your final corpus.
How Does the SIP Calculator Work?
The SIP calculator computes the future value of a series of monthly investments compounded at an expected annual rate:
FV = SIP × [((1 + r/12)n - 1) / (r/12)] × (1 + r/12)
Where r is the expected annual return and n is the number of months. If you enable inflation adjustment, the nominal corpus is deflated using your inflation input.
Benefits of Using a SIP Calculator
📅 Systematic Investing
Plan disciplined monthly investments and benefit from rupee-cost averaging.
📈 Compounding
See how compounding grows your wealth over time.
🛡️ Inflation Awareness
Compare nominal vs inflation-adjusted values for realistic planning.
🎯 Goal Tracking
Assess how close you are to reaching your target corpus.
Frequently Asked Questions (FAQs)
Is the inflation input required?
No. If set to 0%, results are nominal. Add your expected inflation (e.g., 6%) to see real values.
What return rate should I use?
For equity-oriented funds, long-term expectations typically range from 10–14% annually. Be conservative.
Are the results guaranteed?
No. Outputs are estimates based on your inputs and assumptions; markets are volatile.