SIP Calculator – Systematic Investment Plan Calculator
A Systematic Investment Plan (SIP) Calculator helps you estimate how much wealth you can build by investing a fixed amount every month in mutual funds. It shows the future value of your investment, total amount invested, and potential returns based on your expected annual return rate.
With an easy-to-use interface, the Business Day SIP Calculator lets you visualize your corpus growth over time through clear charts and tables — empowering you to plan your financial goals confidently.
What is a SIP Calculator?
A SIP Calculator is an online financial tool that estimates the maturity value of your mutual fund SIP investments. It works on the concept of monthly compounding, where your investment grows with each installment and the power of compounding adds to your wealth.
By simply entering your monthly SIP amount, investment period, and expected rate of return, you can find out how much your money could grow in the future — without needing complex manual calculations.
How can a SIP return calculator help you?
A SIP Return Calculator simplifies financial planning by giving you:
- A clear estimate of how your small monthly savings can grow over time.
- Goal tracking, helping you know how much to invest monthly to reach a desired amount.
- Comparison insights between different SIP durations or return rates.
- Better discipline, since seeing potential growth encourages consistent investing.
It’s ideal for anyone who wants to plan for long-term goals like a child’s education, buying a home, or building retirement wealth.
How do SIP calculators work?
The SIP calculator uses the future value of a series formula (compound interest applied monthly):
Where:
- FV = Future value (final corpus)
- P = SIP amount invested per month
- r = Monthly rate of return (Annual rate ÷ 12 ÷ 100)
- n = Total number of months
Example :
| Parameter | Value |
|---|---|
| Monthly SIP (P) | ₹10,000 |
| Duration (n) | 10 years = 120 months |
| Expected Return | 12% per annum = 1% per month (0.01) |
| Calculation Type | Amount |
|---|---|
| Total Invested | ₹12,00,000 |
| Estimated Returns | ₹11,00,300 |
| Maturity Value | ₹23,00,300 |
So, by investing ₹10,000 monthly for 10 years at 12% expected annual return, you can grow your wealth to around ₹23 lakh.
How To Use Business Day SIP Calculator?
Using the Business Day SIP Calculator is simple and intuitive:
- Enter your monthly SIP amount – how much you plan to invest every month.
- Choose the investment period – in years (e.g., 5, 10, or 20 years).
- Add your expected annual return rate – such as 10%, 12%, or 15%.
- Click on “Calculate” – the tool will instantly show:
- Total invested amount
- Total expected value
- Profit (returns earned)
- Visual charts (line and donut) showing growth and return split.
This lets you experiment with different values and adjust your SIP for realistic goal planning.
Advantages of Using the Systematic Investment Plan (SIP) Calculator
- 💡 Instant results: Get quick insights without manual calculations.
- 📈 Smart visualization: Interactive charts show growth trends clearly.
- ⏳ Goal-based planning: Adjust SIP amount or duration to match your targets.
- 💰 Understand compounding: See how long-term investing multiplies wealth.
- 🔁 Compare scenarios: Test different return rates or time horizons easily.
- ⚙️ Free & user-friendly: Accessible on any device, anytime, at no cost.
The Business Day SIP Calculator is more than a number-cruncher — it’s a decision-making companion for disciplined investing and wealth creation.