SIP Calculator
Calculate your SIP:
Monthly investment
Amount
Expected return rate (p.a)
Percentage
Time period
Year(s)
Monthly investment
Amount
Expected return rate (p.a)
Percentage
Time period
Year(s)
Invested Amount
₹0
Est. return
₹0
Total Value
₹0
Invested amount
0%
Est. return
0%
Your total value will be
₹0
What is Systematic Investment Plan Calculator?
A Systematic Investment Plan (SIP) calculator, also known as a Mutual Fund SIP calculator, is an online tool that estimates the future value of regular mutual fund investments made through monthly SIPs, given the expected rate of return and the investment period. Instead of performing complex calculations manually, the calculator provides an instant estimate of your investment corpus.
Benefits of Using an SIP Calculator
Instant Return Estimate
Estimate the potential value of your SIP investments in seconds without manual calculations
Goal-based Planning
Translate your long-term objectives (like buying a house or funding a child’s education) into a suitable monthly SIP investment
Easy Investment Comparison
Compare multiple SIP scenarios by changing the investment amount, expected return, or investment tenure
Visualise the Power of Compounding
See how regular investments and compounding can potentially grow your wealth over time
Progress Monitoring
Periodically review your investment plan to check whether it remains aligned with your target corpus
Simple & Free to Use
The Kissht SIP calculator online is free, easy to use and delivers instant results
How Does A Systematic Investment Plan Calculator Work?
A Systematic Investment Plan calculator estimates the future value of your monthly SIP investments using compound interest. The calculation considers 3 key factors:
- Monthly Investment Amount
- Expected Annual Rate of Return
- Investment Tenure
The SIP calculation formula is:
FV = P × ({[1 + i]^n – 1} / i) × (1 + i)
Where
- FV = Estimated Maturity Amount
- P = Monthly Investment Amount
- i = Monthly Rate of Return
- n = No. of investments
Example
Suppose you invest:
- Monthly SIP = Rs. 5,000
- Expected Annual Return = 12%
- Investment Period = 20 years
Step 1: Write the formula
FV = P × ({[1 + i]^n – 1} / i) × (1 + i)
Step 2: Calculate the monthly rate of return (i)
Annual Return = 12%
Monthly Return (i) = 12 ÷ (12 x 100) = 0.01
i = 0.01 (1% per month)
Step 3: Calculate the number of installments (n)
20 years x 12 months = 240
n = 240 Step 4: Substitute the values into the formula. P = 5000 i = 0.01 n = 240 Step 5: Result FV = Rs. 49,96,000 (Approx.)
Result
- Your Investment (Monthly SIP x No. of Installments = 5000 x 240) = ₹12,00,000
- Estimated Wealth Gain = ₹37,96,000 (approx)
- Estimated Value of your Investment = ₹49,96,000 (approx) The SIP formula assumes that investments are made regularly every month and that the expected rate of return remains constant throughout the investment period. Since mutual fund returns are market-linked and may fluctuate over time, the calculator provides only an estimated maturity value and not guaranteed returns.
How to Use the Kissht Online SIP Calculator?
Using the Kissht online SIP calculator is simple and takes only a few seconds.
Step 1
Enter Your Monthly SIP Amount
Use the SIP amount calculator to enter the amount you plan to invest every month.
Step 2
Select the Expected Annual Return
Choose the annual rate of return you expect from your mutual fund investment.
Step 3
Enter the Investment Tenure
Select how long you plan to continue your SIP investments.
Step 4
View the Estimated Returns
The monthly SIP calculator will instantly display the results.
You can adjust the investment amount, tenure, or expected return to compare different scenarios and identify a plan that aligns with your financial goals.
What our Customer Say about Us
4.9
Customer Reviews
I wanted to start investing through SIPs but wasn't sure how much I should invest every month. The SIP Calculator helped me estimate the potential value of my investments and choose an amount that fits my budget.
Rahul Sharma
Pune
The calculator made it easy to understand how regular monthly investments can grow over time. I tried different investment amounts and tenures before making my decision.
Priya Verma
Bengaluru
I was planning for my daughter's higher education and wanted to estimate how much I should invest every month. The SIP Calculator gave me a helpful starting point for my financial planning.
Amit Patel
Ahmedabad
Instead of calculating returns manually, I used the SIP Calculator to compare different investment scenarios. It was quick, simple, and easy to understand.
Sneha Nair
Kochi
As a first-time investor, I found the SIP Calculator very useful. It helped me understand how investing consistently over the long term can potentially grow my savings.
Karan Singh
Delhi
I increased my monthly SIP amount and used the calculator to see the difference it could make over the next 15 years. It helped me plan my investments with more confidence.
Meenal Joshi
Mumbai
Kissht - Sapno ko Kaho YES!
4.9
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Frequently Asked Questions
A Systematic Investment Plan calculator is an online tool that estimates the future value of regular mutual fund investments made through monthly SIPs, given the expected rate of return and the investment period.
A Systematic Investment Plan calculator applies the compound interest formula using three key inputs: monthly investment amount (P), the number of investments (n) and the periodic rate of interest (i).
A Systematic Investment Plan calculator provides estimated results based on the expected rate of return you enter. Actual returns may differ depending on market performance and mutual fund performance.
Yes. A SIP amount calculator lets you adjust the monthly investment amount and instantly compare different investment scenarios.
Yes, but not exactly. A Systematic Investment Plan calculator estimates the future value of investments made only through regular monthly SIPs. In comparison, a Lumpsum Mutual Fund calculator estimates the future value of a one-time investment.
