SIP Calculator Nigeria — Systematic Investment Plan Returns
Calculate the maturity value of your monthly SIP investment. See how much wealth you can build through regular investing in Nigerian mutual funds.
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Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
A SIP lets you invest a fixed amount regularly (weekly, monthly) into a mutual fund or investment vehicle. It builds discipline, removes emotion from investing, and benefits from compounding over time. In Nigeria, platforms like Cowrywise, PiggyVest, and ARM offer SIP-style savings plans.
What is the minimum SIP amount in Nigeria?
Most Nigerian investment platforms allow SIPs starting from ₦1,000–₦5,000 per month. Cowrywise starts at ₦100, making investing accessible to everyone.
What is wealth gained in the SIP result?
Wealth gained is the difference between the final maturity value and the total amount you invested. It represents the returns generated purely from compounding and investment growth.
How does SIP differ from a savings account?
A savings account in Nigeria currently yields 4–8% annually. SIPs in equity mutual funds target 12–20%. The difference over 10+ years is enormous due to compounding. A ₦50,000 monthly SIP at 15% for 20 years grows to over ₦75M versus ~₦17M at 6% in savings.
Can SIP protect against naira depreciation?
NGN-denominated SIPs do not protect against depreciation. To hedge, consider dollar-denominated investments via platforms like Bamboo, or invest in assets like real estate and stocks that tend to rise with inflation.