AtlasCalcsUtility Calculation Suite
2026-09-22 7 min read

SIP Calculator

The corpus a SIP builds toward the goal for a SIP. Live calculator with worked steps, charts and formulas.

Calculator

Monthly Investment (SIP) Help
$

Fixed amount invested every month.

Expected Return (p.a.)(%)
%
Time Horizon(years)
years
Annual Step-Up(%)
%

This sip calculator compounds monthly (SIP timing) and annually (lump sums) at the assumed return. Returns are assumed, not promised — use a conservative rate for goals.

Results

Optimal

Maturity / Corpus Value

$1,161,695

At the expected return.

Total Invested

$600,000

Wealth Gained

$561,695

Effective CAGR

6.83%

Money Multiple

1.94×

Live results update as you type — currently showing maturity / corpus value of $1,161,695. Replace the defaults with your own fund figures for an exact comparison.

Visualizations

Invested vs Gains

Invested52%
Gains48%

Corpus Growth Over Time

Formula

Goal-corpus projection for a SIP-only path (lump sum zeroed).

FV = SIP annuity at r over yrs

Variables

SymbolNameUnitDescription
FVFuture corpuscurrencyValue at the horizon including gains
PMTMonthly SIPcurrencyFixed instalment each month
rExpected returnpercentAnnualized assumption before costs
nMonths investedcountYears × 12

Explanation

Corpus the SIP builds toward the goal.

Step-by-Step Calculation

Follow each step to understand how the result is calculated from your inputs.

Step 1

Count total contributions: SIP × months plus lump sum.

Invested = SIP × months + Lump
SIP:$5,000
Months:120
Result: $600,000.00
Step 2

Grow the SIP annuity and the lump sum at the expected return.

FV = SIP annuity + Lump × (1+r)^yrs
Return:12.00%
Result: $1,161,695.38
Final Answer
$1,161,695

Worked Examples

See how the calculator works with different scenarios.

Scenario

The sip calculator run on the values above, showing the full calculation path rather than only the answer.

Inputs

Monthly Investment (SIP):5000
Expected Return (p.a.):12
Time Horizon:10
Annual Step-Up:10

Calculation

1. Count total contributions: SIP × months plus lump sum. → $600,000.00 2. Grow the SIP annuity and the lump sum at the expected return. → $1,161,695.38

Result

Maturity / Corpus Value: $1,161,695

Interpretation

Corpus $1,161,695.38 on $600,000 (6.83% effective CAGR).

Understanding Your Result

Your Result: Maturity / Corpus Value: $1,161,695

Typical range: A 12.00% return over 10y multiplies each invested rupee/dollar by roughly 1.94× before tax.

What This Means

Corpus the SIP builds toward the goal.

Why It Matters

Corpus $1,161,695.38 on $600,000 (6.83% effective CAGR).

Professional Interpretation

Corpus $1,161,695.38 on $600,000 (6.83% effective CAGR).

How this is calculated

Goal-corpus projection for a SIP-only path (lump sum zeroed).

What drives the result

Compounding rewards time more than timing. A fixed SIP buys fewer units when prices are high and more when low (rupee-cost averaging), while a lump sum maximizes time in the market. CAGR smooths a lump sum; XIRR correctly handles staged SIP cash flows.

Recommendations

  • •Automate the SIP so compounding is uninterrupted.
  • •Increase the SIP (step-up) with income to shorten the goal.

Educational Content

Introduction

Fund growth comes from two engines: the return on money already invested and new contributions (SIP instalments or lump sums) joining the compounding base. Every figure here — corpus, gains, CAGR, XIRR — derives from projecting dated cash flows at an assumed return.

Concept Explanation

Compounding rewards time more than timing. A fixed SIP buys fewer units when prices are high and more when low (rupee-cost averaging), while a lump sum maximizes time in the market. CAGR smooths a lump sum; XIRR correctly handles staged SIP cash flows.

Applications

▸Projecting a SIP or lump sum to a goal corpus
▸Comparing two funds on CAGR or XIRR over identical windows
▸Translating a goal (education, retirement) into a monthly SIP
▸Judging whether a dividend payout or growth option suits you

Benefits

  • •Puts SIP, step-up SIP and lump sum on one comparable maths base
  • •Separates invested, gains and multiple so progress is trackable
  • •Annualizes correctly (CAGR for lump, XIRR for SIP)
  • •Shows the path year by year, not just the endpoint

Limitations

  • •Returns are assumed constant; markets are volatile and sequenced
  • •Expense ratios, taxes and exit loads modeled only where entered
  • •Inflation adjustment shown only in the inflation mode
  • •Past performance does not predict future returns

Best Practices

  • •Automate the SIP and step it up with income
  • •Compare XIRR for SIPs and CAGR for lump sums — never mix them
  • •Revisit assumptions yearly; extend tenure before chasing return
  • •Keep an emergency buffer outside the investment

Common Misconceptions

Myth: A higher return always wins
Truth: A higher assumed return with lower consistency often loses to a steadier compounder after costs and taxes.
Myth: SIP guarantees profits
Truth: SIPs average purchase cost; they do not guarantee positive returns in falling markets.

Practical Tips

  • •Track funded % (corpus ÷ goal) each year.

Common Mistakes

Ignoring step-ups in long goals
Flat SIPs underfund decade-plus goals.

Assumptions

This calculator makes the following assumptions to provide estimates:

Constant return: Sequence ignored.

Limitations

Be aware of these limitations when using this calculator:

Limitation: Returns are assumed constant; markets are volatile and sequenced
Limitation: Expense ratios, taxes and exit loads modeled only where entered
Limitation: Inflation adjustment shown only in the inflation mode
Limitation: Past performance does not predict future returns

Frequently Asked Questions

Answers to common questions about this calculator.

SIP goal vs SIP future value?
Same maths; goal framing starts from the target and reads the gap.
Who uses the sip calculator?
It is used by investors comparing SIP options, by advisers checking a quote before a client commits, and by planners sizing contributions for a goal. It sits in the SIP group of the ETFs & Mutual Funds section of Atlascalcs.
How accurate is the sip calculator?
Every figure follows directly from the inputs using standard fund mathematics, so it is accurate to the quality of the values you enter. NAV rounding, actual SIP dates and changing expense ratios explain small gaps versus statements.
How current are the returns used here?
The calculator uses the return you enter. Update it to the fund factsheet trailing CAGR/XIRR or your own conservative assumption. Costs and tax slabs follow the conventions in the references.
Does rounding change the results?
Math runs at full precision; display rounds only. AMCs round NAVs to 4 decimals, so expect paise-level differences.
SIP or lump sum — which is better?
Lump sums maximize time invested and win in rising markets; SIPs average cost and enforce discipline. With cash available, staged deployment (STP over 6–12 months) splits the difference.
What should I have ready before investing?
Monthly budget, horizon, expected return grounded in benchmark history, expense ratios, exit-load windows and your tax slab. With those, every figure here ties to a fund document.

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Related Guides

Deepen your understanding with these educational resources.

Glossary

Technical terms used in mortgage calculations explained in plain language.

SIP (Systematic Investment Plan)
Fixed amount invested at regular intervals, averaging purchase cost over market cycles.

Authoritative References

Trusted sources and standards referenced by this calculator.

Applicable Standards

SIP future value with month-start timing and monthly compoundingCAGR geometric annualization; XIRR solved numerically to full precisionExpense drag as (r − expense) re-projection over the same horizonMoney rounded for display only; all calculations run at full precision

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Page Information

Last Updated:

2026-09-22

Version:

2.0.0

License:

Free to use for educational and professional purposes.