Investing & Wealth Updated 2026-07-17
SIP Calculator for Beginners
Use our free sip calculator for beginners to a Systematic Investment Plan (SIP) calculator helps you estimate the future value of your monthly investments. Input your monthly investment amount, expected rate of return, and time period to see how compounding grows your wealth.
The formula
How the calculation works
Future Value = P × [((1 + i)^n - 1) / i] × (1 + i)
- Convert annual rate to monthly (rate / 12).
- Calculate compounding over total months.
- Multiply by monthly investment.
Worked examples
Real-world scenarios
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FAQ
Common questions
What is a SIP?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds.
How is SIP calculated?
It uses the compound interest formula to calculate the future value of your monthly investments.