Multiple SIP Calculator
Calculate returns from multiple Systematic Investment Plans with different amounts, durations, and expected returns
Add Your SIP Investments
SIP #1
How to Use the Multiple Systematic Investment Plan Calculator
Add Your First SIP
Enter the monthly investment amount, investment period in years, and expected annual return rate for your first SIP. The calculator starts with one SIP by default.
Add Multiple SIPs
Click the "Add SIP" button to add more SIPs with different parameters. You can add up to 10 different SIPs, each with unique monthly amounts, durations, and expected returns.
Calculate Results
Click "Calculate Multiple SIPs" to get comprehensive results including total investment, maturity value, wealth gained, and individual SIP breakdowns.
Analyze Charts
Review the pie chart showing investment vs returns distribution and the yearly growth chart to understand your portfolio's projected performance over time.
How Can a Multiple SIP Return Calculator Help You?
Portfolio Diversification Planning
Plan and visualize multiple SIP investments across different funds, helping you create a well-diversified investment portfolio with varying risk profiles and return expectations.
Accurate Financial Planning
Get precise calculations for your total investment corpus, expected returns, and wealth creation potential across multiple SIPs, enabling better financial goal planning.
Time-Based Investment Strategy
Compare different investment durations and amounts to optimize your SIP strategy based on your financial goals and time horizons.
Visual Growth Analysis
Understand your investment growth through interactive charts that show yearly progression and the power of compounding across multiple SIPs.
Risk Assessment
Evaluate different return scenarios and understand how varying expected returns across different SIPs can impact your overall portfolio performance.
Goal-Based Planning
Align multiple SIPs with different financial goals like retirement, children's education, or wealth creation, each with appropriate investment amounts and durations.
How Are Multiple SIP Investment Returns Calculated?
SIP Calculation Formula
M = P × ({[1 + r]^n – 1} / r) × (1 + r)
Where:
- M = Maturity Value (Future Value of SIP)
- P = Monthly Investment Amount
- r = Monthly Rate of Return (Annual Rate ÷ 12)
- n = Total Number of Monthly Investments (Years × 12)
Multiple SIP Calculation Process
Step 1: Individual SIP Calculation
Each SIP is calculated separately using the standard SIP formula with its unique monthly amount, duration, and expected return rate.
Step 2: Aggregation
All individual SIP results are combined to provide total investment, total maturity value, and total wealth gained across your entire SIP portfolio.
Step 3: Yearly Projection
The calculator generates year-wise growth data for each SIP and combines them to show your portfolio's progression over time.
Step 4: Visual Representation
Results are presented through pie charts (investment vs returns) and line charts (yearly growth) for better understanding and analysis.
Advantages of Using the Multiple SIP Calculator
Comprehensive Portfolio Analysis
Unlike single SIP calculators, this tool allows you to analyze multiple investments simultaneously, providing a complete picture of your SIP portfolio's potential performance.
Flexible Investment Planning
Each SIP can have different parameters - monthly amounts, investment periods, and expected returns - allowing you to model real-world investment scenarios accurately.
Risk Diversification Insights
Understand how spreading investments across multiple SIPs with different risk profiles can help balance your portfolio and optimize returns.
Interactive Visualizations
Advanced charts and graphs help you visualize investment growth, understand the power of compounding, and make informed investment decisions.
User-Friendly Interface
Modern, responsive design ensures easy access and calculation on any device - desktop, tablet, or mobile - with smooth animations and intuitive controls.
Instant Results
Get immediate calculations and results without any delays, allowing you to experiment with different scenarios and optimize your investment strategy quickly.
Educational Value
Learn about SIP investments, compound interest, and portfolio diversification through practical calculations and visual representations of your investment growth.
Cost-Free Planning
Completely free tool with no hidden charges, registration requirements, or limitations, making professional-grade investment planning accessible to everyone.
Frequently Asked Questions
What is a Multiple SIP Calculator?
A Multiple SIP Calculator is an advanced tool that allows you to calculate returns from multiple Systematic Investment Plans simultaneously. It helps you plan a diversified investment portfolio with different SIPs having varying amounts, durations, and expected returns.
How does Multiple SIP calculation work?
The calculator uses the standard SIP formula M = P × ({[1 + r]^n – 1} / r) × (1 + r) for each individual SIP, then combines all results to show your total investment, maturity value, and wealth gained across all SIPs.
Can I add different investment periods for each SIP?
Yes, each SIP can have its own investment period, monthly amount, and expected return rate. This flexibility allows you to model real-world investment scenarios where you might start different SIPs at different times.
What is the maximum number of SIPs I can add?
You can add up to 10 different SIPs in a single calculation. This limit ensures optimal performance while covering most practical investment scenarios.
How accurate are the Multiple SIP Calculator results?
The calculator provides estimated returns based on the assumed rate of return for each SIP. Actual returns may vary due to market fluctuations, fund performance, and economic conditions. Use these results for planning purposes only.