| Month | Investment Amount | Monthly Return | Balance |
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A Systematic Investment Plan (SIP) is an investment strategy that allows you to invest a fixed amount regularly in mutual funds or similar investments. It helps in:
Future Value = Monthly Investment × ((1 + r)^n - 1) / r × (1 + r)
Where:
For a monthly investment of ₹10,000 for 10 years at 12% annual returns:
Note: The calculator assumes:
"The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind."
— T.T. Munger"Do not save what is left after spending, but spend what is left after saving."
— Warren Buffett"The best time to start investing was 20 years ago. The second best time is now."
— Chinese Proverb"Success is not in the amount you invest, but in the consistency with which you invest it."
— Financial WisdomA SIP is a disciplined investment strategy where you invest a fixed amount regularly (monthly/quarterly) in mutual funds, ETFs, or other investment vehicles. It reduces market volatility through dollar-cost averaging and leverages compounding for long-term wealth growth.
The SIP calculator uses this formula:
Future Value = Monthly Investment × [( (1 + r)^n - 1 ) / r ] × (1 + r)
Where:
It calculates your total investment, estimated returns, and final corpus in your local currency (e.g., USD, EUR, GBP).
Example for USD:
Results:
Yes! SIPs use dollar-cost averaging to smooth out volatility in global markets (e.g., US equities, EU bonds). By investing regularly, you avoid timing the market and reduce average costs.
Longer tenures maximize compounding:
Time amplifies growth in any currency.
No. The calculator assumes:
Consult a financial advisor for country-specific tax rules.
Diversify based on your risk tolerance and region.