SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP). See how monthly investments grow with the power of compounding.
SIP Details
SIP Result
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Estimated Future Value
💡 What is SIP?
Systematic Investment Plan
- SIP lets you invest a fixed amount monthly in mutual funds.
- It leverages rupee-cost averaging and compounding to grow wealth over time.
- Formula: FV = P × [(1+r)ⁿ − 1] / r × (1+r), where P = monthly amount, r = monthly rate, n = total months.
📖 How to use
Step by Step
- Enter your monthly SIP amount
- Set expected annual return rate (equity ~12%, debt ~7%)
- Choose your investment horizon in years
- View projected corpus, wealth gain & year-wise table
🎯 Benefits
Why Invest via SIP?
- Disciplined investing habit with small amounts
- Rupee cost averaging in volatile markets
- Power of compounding over long periods
- Start with amounts as small as ₹500/month
Frequently Asked Questions
What is a realistic return rate for SIP?▾
Equity mutual funds in India have historically delivered 12–15% annual returns over 10+ years. Debt funds typically return 6–8%. Hybrid funds fall between 8–12%. Past performance doesn't guarantee future results.
Is SIP risk-free?▾
No, SIP in equity mutual funds carries market risk. However, long-term SIPs (7+ years) reduce risk through rupee-cost averaging — you buy more units when prices are low and fewer when high.
Can I stop or change my SIP amount?▾
Yes, most mutual funds let you pause, stop, or modify your SIP any time without penalty. You can also start a step-up SIP that increases annually by a fixed percentage.
SIP vs Lumpsum — which is better?▾
SIP suits salaried individuals who invest regularly. Lumpsum works when you have idle capital and markets are at reasonable valuations. Over very long periods, lumpsum often outperforms since the full corpus earns returns from day one.