SIP Calculator

Calculate the future value of a Systematic Investment Plan (SIP) with monthly investments at a given annual return. Free, instant, no signup.

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years
Formula: FV = M × ((1+r)^n − 1) / r × (1+r) [annuity-due]
  • M = monthly investment
  • r = monthly return rate
  • n = total months

How to use the SIP Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the sip calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our SIP Calculator

Instant results. Enter your figures and the sip calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

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About the SIP Calculator

A SIP Calculator estimates how much a Systematic Investment Plan could grow into when you invest a fixed amount every month at a steady assumed rate of return. Instead of one large lump sum, a SIP buys into a mutual fund in regular instalments, and this tool projects the maturity value of all those contributions plus the compounding earned along the way. You enter three things: your monthly contribution, an expected annual return, and the number of years. The calculator then shows your total invested amount, the estimated gains, and the projected final corpus, so you can see how disciplined monthly investing adds up over time.

Use this calculator when you are planning toward a long-term goal such as retirement, a child's education, a house down payment, or simply building wealth from regular salary. It is most useful for stress-testing a plan before you commit: try a 10-year horizon versus a 20-year one, or compare a 1,000 versus 5,000 monthly contribution, and watch how the gap widens because of compounding. It is also handy for reverse-checking a goal, since you can adjust the monthly figure until the projected corpus matches the amount you actually need. The point is to make the abstract idea of monthly investing concrete and visual.

Under the hood the tool treats each monthly instalment as an annuity due and applies the standard SIP formula M = P x (([1 + i]^n - 1) / i) x (1 + i), where P is your monthly amount, n is the total number of instalments, and i is the monthly rate of return. Crucially, the monthly rate is not the annual rate divided by 12; it is derived using i = (1 + annual return)^(1/12) - 1 to respect compounding. So a 12 percent annual expectation becomes roughly 0.95 percent per month, not 1 percent. Every contribution then compounds for the remaining months until maturity.

Treat the result as a projection, not a promise. The figure assumes a constant return every single month, but real mutual fund returns swing with the market and can be negative in some years, so your actual corpus will differ. The calculator also ignores expense ratios, exit loads, and taxes on gains, which reduce real-world outcomes. On privacy, the entire calculation runs in your browser using simple arithmetic. Nothing you type, your amounts, rates, or goals, is sent to a server, stored, or shared, so you can model your personal finances freely without leaving any trace online.

Frequently asked questions

What formula does the SIP Calculator use?

It uses the annuity-due formula M = P x (([1 + i]^n - 1) / i) x (1 + i), where P is your monthly investment, n is the number of monthly instalments, and i is the monthly rate of return. The (1 + i) term reflects that each instalment is invested at the start of the period.

Why is the monthly return not just my annual return divided by 12?

Because returns compound. The calculator converts your annual figure with i = (1 + annual return)^(1/12) - 1, so a 12 percent annual expectation becomes about 0.95 percent per month rather than 1 percent. Dividing by 12 would overstate the result.

Are the projected returns guaranteed?

No. The tool assumes a fixed return every month, but actual mutual fund returns vary with the market and can be negative in some periods. Use the output as an estimate for planning, not a guaranteed maturity amount.

Does the calculator account for fees, expense ratios, or taxes?

No. It shows gross projected growth and does not deduct expense ratios, exit loads, or capital gains tax. Your real-world corpus will typically be somewhat lower once those costs are applied.

What expected return should I enter?

There is no single right number, since it depends on the fund type. Many people model equity funds with a long-term assumption around 10 to 12 percent and debt funds lower, but you should run a few scenarios rather than relying on one optimistic figure.

From our blog

Ohm's Law in Practice: Solving Real Circuits With Two Known Values

By the Super Simple Digital Tools Team · Updated June 2026

Ohm's Law is the single most useful equation in basic electronics because it ties together the three quantities you can actually measure on a workbench: voltage across a component, current through it, and the resistance that opposes that current. The relationship V = I x R means that for a fixed resistance, doubling the voltage doubles the current, and for a fixed voltage, raising the resistance lowers the current. Once you internalise that proportionality, a lot of circuit behaviour stops being mysterious and becomes predictable arithmetic.

Power is the fourth piece of the puzzle, and it comes from Watt's Law, P = V x I. Combine the two laws and you get a wheel of twelve formulas, three for each quantity, that lets you start from whichever pair of values you happen to know. Know voltage and current? You can get resistance and power. Know power and resistance? You can recover voltage and current with P = V squared / R and I = the square root of P / R. The calculator simply selects the right member of that wheel for the inputs you give it.

A classic worked example is an LED. Suppose you have a 9 V supply and an LED that should run at 20 mA with about 2 V across it. The resistor must drop the remaining 7 V at 0.02 A, so R = V / I = 7 / 0.02 = 350 ohms, and you would round up to a standard 360 or 390 ohm part. Checking the power, P = V x I = 7 x 0.02 = 0.14 W, which tells you a common quarter-watt resistor is fine. That two-step check, resistance then wattage, prevents both a burned-out LED and a scorched resistor.

It pays to respect the limits of the law. Ohm's Law describes ohmic materials, where the current-voltage line is straight. Real diodes, LEDs, transistors, lamps with hot filaments and many sensors are non-ohmic, so you can't pin them to one resistance value across their whole operating range. For alternating current you also need impedance instead of plain resistance, because capacitance and inductance shift current and voltage out of step. The calculator is built for the common DC, resistive case, which still covers the vast majority of everyday hobby and learning circuits.

Used well, the tool is more than a homework helper, it is a debugging instrument. If you measure a circuit and the readings don't match what Ohm's Law predicts, something is wrong: a wrong resistor value, a bad connection, a sagging supply, or a component operating outside its linear range. Plug in the two values you trust most, compare the predicted third against your meter, and the discrepancy points you straight at the fault. That habit of cross-checking measured against calculated is what separates guessing from genuine troubleshooting.

  • Always convert to base units first: amps not milliamps, ohms not kilo-ohms, watts not milliwatts, or your answer will be off by powers of ten.
  • After finding resistance, immediately check the power result and pick a component rated at least double that wattage for a safety margin.
  • When solving for current from power and resistance, remember the result uses a square root (I = root of P / R), so it isn't a simple division.
  • Use the calculator as a sanity check on meter readings: enter the two values you measured most reliably and compare the predicted third to spot wiring or component faults.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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