Systematic Investment Plan Calculator - SIP Calculator

Super Finserv's SIP Calculator helps you estimate the potential returns of your Systematic Investment Plan (SIP) investment over a selected period.

What is an SIP Calculator?

The Systematic Investment Plan (SIP) Calculator is a free online financial tool available on the Super Finserv website. It helps users calculate the potential returns from SIP investments and allows for comparisons between different SIP investment strategies. A Mutual Fund SIP calculator estimates the future value of your SIP investments by considering several factors, including the regular investment amount (SIP contributions), expected rate of return, and investment tenure. By entering these details, you can gain insight into how your investments may grow over time. While the final maturity amount may vary due to external factors, this tool provides a rough idea of the expected returns. With a clearer understanding of the potential returns and the commitment required, you can make a more informed decision about which SIP strategy is the most suitable for you.

How Does a Systematic Investment Plan (SIP) Work?

A Systematic Investment Plan (SIP) is a disciplined way to invest in Mutual Funds. Instead of a large lumpsum, you invest a fixed amount regularly (monthly or quarterly). This approach benefits from Rupee Cost Averaging —buying more units when prices are low and fewer when prices are high—reducing the impact of market volatility.

Why Use the Super Finserv SIP Calculator?

Whether you are planning for a dream home in Jaipur, your child’s education, or early retirement, our calculator helps you:

Estimate Future Value: See how your monthly ₹500 or ₹5,000 grows over 10, 20, or 30 years.
Compare Scenarios: Adjust the expected rate of return (e.g., 12% for Large Cap, 15% for Mid Cap) to see different outcomes.
Goal-Based Planning: Determine exactly how much you need to invest monthly to reach a specific target, like ₹1 Crore.

The SIP Formula: How We Calculate Your Returns

The calculator uses the standard future value of an annuity formula:

F V = P \times \frac{{(1 + r)}^{n} - 1}{r} \times (1 + r)

Where:

FV: Future Value (the amount you receive at maturity).
P: Your monthly SIP amount.
$r$ : Monthly rate of return (Annual Rate / 12 / 100).
$n$ : Total number of installments (Months).