How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

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SIP Strategy

SIP Comparison Calculator — compare two SIP scenarios side by side

Compare two SIP scenarios with different monthly amounts and tenures. See which strategy produces a larger corpus, with a side-by-side chart and year-by-year comparison table.

Calculator Inputs

SIP A: Monthly amount

₹

₹500₹200,000

SIP A: Tenure

140%

SIP B: Monthly amount

₹

₹500₹200,000

SIP B: Tenure

140%

Expected return (both)

125%

💡 Tip: Use the sliders for quick adjustments, or type exact numbers in the input fields for precise calculations.

Result 1

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Result 2
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Result 3

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Visualization

Year-by-Year Breakdown

Why compare SIP scenarios?

The common question

Should I invest ₹10,000 for 20 years, or ₹15,000 for 15 years? Should I start smaller now and step up, or wait until I can afford a larger amount? This calculator lets you model two scenarios side by side.

What you'll discover

The longer tenure usually wins because compounding rewards time more than amount. A ₹10,000 SIP for 25 years beats a ₹15,000 SIP for 15 years, despite investing less total money.

How to use

Set SIP A and SIP B with different monthly amounts and/or tenures. See which produces a larger corpus. The difference is shown in the third result card.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

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