waterfall_chart INVESTING TOOLS

SIP Calculator

Calculate the future value of your Systematic Investment Plan.

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Years
How It Works: SIP (Systematic Investment Plan) involves investing a fixed amount at regular intervals, typically monthly. This strategy reduces market timing risk through dollar cost averaging.

Key Inputs:
  • Monthly Investment: Fixed amount invested each month.
  • Expected Return: Anticipated annual return rate (mutual funds typically 10-15%).
  • Time Period: Investment duration in years.


Formula: FV = P × [((1 + i)^n - 1) / i] × (1 + i), where P is monthly payment, i is monthly interest rate (annual rate ÷ 12), and n is total number of months.

Benefits: Disciplined investing, dollar cost averaging (buy more units when prices are low), and power of compounding over time.
Expected Amount
$116,170
Total Invested
$60,000
Wealth Gained
$56,170

Why Systematic Investing Wins

SIP (Systematic Investment Plan) takes the emotion out of investing. By committing to invest a fixed amount every month, you avoid the trap of trying to "time the market."

Dollar Cost Averaging

When the market is down, your fixed payment buys more units. When the market is up, it buys fewer units. Over time, this lowers your average cost per share.

Discipline Over Luck

The hardest part of building wealth is consistency. An automated SIP forces you to save first and spend what's left, rather than saving what's left after spending.