📈 SIP (Systematic Investment Plan) Calculator

What is SIP Calculator? Benefits, Bank Plans, and More

A SIP Calculator (Systematic Investment Plan Calculator) is an online tool that helps you estimate the future value of your monthly investments based on the expected return rate. It’s an essential tool for salaried professionals, students starting to save early, and even retired individuals looking to maximize returns.

📌 Why Use a SIP Calculator?

  • ✅ Helps in long-term financial planning
  • ✅ Quick and accurate calculation of maturity amount
  • ✅ Understand the power of compound interest
  • ✅ Great for goal-based planning like home, car, marriage, or education

🏦 Popular Bank SIP Return Rates (As of 2025)

  • SBI Mutual Fund SIP: Avg. 11–13% (depending on scheme)
  • HDFC Mutual Fund SIP: Avg. 12–14%
  • Axis Mutual Fund SIP: Avg. 10–12%
  • ICICI Prudential SIP: Avg. 11–13%
  • Kotak Mutual Funds: Avg. 10–12%

Note: Returns vary based on scheme and market performance. Please consult your financial advisor.

📉 How SIP Works

SIPs allow you to invest a fixed amount every month in mutual fund schemes. The SIP Calculator uses the compound interest formula to estimate future value:
FV = P × ((1 + r)n - 1)/r × (1 + r)
where FV = final amount, P = monthly investment, r = interest rate/month, n = total months.

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🧠 Final Thoughts

SIP is one of the most effective and disciplined ways to build wealth over time. Using this free SIP Calculator, you can project your investments and plan your financial future more confidently. Choose a trusted bank, invest regularly, and use tools like this to stay on track.

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