Financial Engineering
Smart Financial Calculators
Simulate compound growth, monthly SIPs, and loan debt servicing with zero bias.
Systematic Investment Plan (SIP) Calculator
Estimate the wealth accumulated through periodic monthly contributions over varying market cycles.
Monthly Investment:
₹10,000
₹500
₹1,00,000
₹2,00,000
Expected Return Rate (p.a):
12%
1% (Debt/FD)
12% (Nifty Avg)
30% (Aggressive)
Time Horizon:
10 Yrs
1 Year
20 Years
40 Years
Total Invested Amount:
₹12,00,000
Estimated Returns (Wealth Gain):
₹11,23,391
Expected Total Value:
₹23,23,391
💡 Tip: Increasing your SIP by just 10% annually (Step-Up SIP) can virtually double your final corpus over a 15-year period.
How the SIP Formula Works (The Chemistry of Compounding)
The Systematic Investment Plan future value calculation uses compound interest formulas applied at regular monthly intervals:
FV = P × [ ( (1 + i)^n - 1 ) / i ] × (1 + i)
Where:
• FV = Future Value (Maturity amount)
• P = Monthly investment amount
• i = Periodic monthly interest rate (Annual Rate / 12 / 100)
• n = Total number of monthly installments (Years × 12)
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