Calculator
Estimate your future wealth, calculate mutual fund SIP returns, and check the cost of delaying your investments instantly using our premium interactive tools.
Invested Amount
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Est. Returns
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Total Future Value
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Calculate exactly how much you need to save to fund your child's higher education goals.
Plan out mutual fund investments for upcoming family wedding expenses systematically.
Discover required monthly SIP amounts to comfortably afford a downpayment on a house.
Map your post-retirement corpus goals to find optimal systematic withdrawal plans (SWP).
A Systematic Investment Plan (SIP) is an investment route offered by mutual funds where you invest a fixed amount of money at regular intervals (monthly or quarterly) instead of a one-time lumpsum payment. It helps discipline savings and averages the cost of purchase through rupee cost averaging.
Delaying your SIP reduces the total duration of compounding growth. Even a short delay (like 6 months or 1 year) can result in a significant loss of estimated future returns, known as the Cost of Delay. Starting early maximizes compound interest rewards.
SIP returns are calculated using the compound interest formula applied to each installment. The future value is determined using the periodic interest rate, installment amount, and number of periods. Our calculators use standard industry math for accuracy.
"One of the oldest and most reliable SIP apps. Been using this calculator to plan my financial goals since 2015. Simple, straightforward, and highly accurate calculations."
"The SIP Delay Calculator is an absolute eye-opener! It showed me exactly how much delaying my investment by just 6 months would cost me. Highly recommended tool."
"Lightweight app, no unnecessary permissions required. The goal calculators (education & retirement) on the Play Store app are awesome."