SIP Calculator
Calculate your SIP (Systematic Investment Plan) investments and returns.
SIP Calculator
Calculate how your Systematic Investment Plan grows over time and plan your financial future better
How to Use This Calculator
1. Enter Details
Set your monthly investment amount, expected returns rate, and investment period using the sliders or input fields.
2. Calculate
Hit the calculate button to instantly see your projected SIP returns and total wealth accumulation over time.
3. Analyze
Review the visual breakdowns, charts, and year-by-year growth details to understand your investment journey.
Enter SIP Details
Your SIP Investment Results
Track your wealth growth over the investment period
Invested Amount
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Estimated Returns
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Total Value
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Understanding SIP (Systematic Investment Plan)
A Systematic Investment Plan (SIP) is a smart and disciplined investment strategy where you invest a fixed amount at regular intervals in mutual funds. Instead of making a lump sum investment, SIP allows you to spread your investments over time, helping you benefit from market fluctuations and the power of compounding.
Benefits of SIP Investments
- Disciplined Investing: Develops a habit of regular saving without worrying about market timing
- Rupee-Cost Averaging: Automatically buys more units when prices are low and fewer when prices are high
- Power of Compounding: Earns returns on both your principal and the accumulated returns
- Affordability: Start with amounts as low as ₹500 per month
- Flexibility: Increase, decrease, or pause investments according to your financial situation
How Our SIP Calculator Works
Our calculator uses this mathematical formula to determine your investment's future value:
FV = P × ((1 + r)n - 1) × (1 + r) ÷ r
FV = Future value of investment
P = Monthly investment amount
r = Monthly rate of return (annual rate ÷ 12)
n = Total number of months (years × 12)
Step-up SIP Explained
A Step-up SIP allows you to increase your investment amount periodically (typically annually), aligning with your growing income over the years.
Example:
| Year | Monthly SIP Amount | Annual Increase |
|---|---|---|
| 1 | ₹5,000 | - |
| 2 | ₹5,500 | +10% |
| 3 | ₹6,050 | +10% |
| 4 | ₹6,655 | +10% |
Tips for Successful SIP Investing
Start Early
The earlier you start, the more time your money has to grow through compounding.
Stay Invested Long-term
Remain invested for at least 5+ years to ride out market volatility.
Align with Goals
Choose funds that match your financial goals and risk tolerance.
Use Step-up SIP
Increase your investments as your income grows for better wealth creation.
Frequently Asked Questions
What is the minimum amount to start a SIP?
Most mutual funds allow you to start a SIP with as little as ₹500 per month, making it accessible for most investors.
How is SIP different from a lump sum investment?
SIP involves investing fixed amounts at regular intervals, while lump sum means investing the entire amount at once. SIP provides the benefit of rupee-cost averaging and is less affected by market timing.
Can I withdraw my SIP investment anytime?
Yes, you can generally redeem your SIP investments anytime, subject to exit loads (if applicable) and tax implications. However, SIPs work best when you stay invested for the long term.
How often can I invest through SIP?
Most fund houses offer weekly, monthly, and quarterly SIP options. Monthly SIPs are the most popular choice among investors.
Are SIP returns guaranteed?
No, SIP returns are not guaranteed as they depend on the performance of the underlying mutual fund scheme and market conditions. Historical performance is not indicative of future returns.
What is the ideal time period for SIP investments?
For equity-based SIPs, a time horizon of at least 5-7 years is recommended to smooth out market volatility and benefit from compounding.
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Frequently Asked Questions
A SIP (Systematic Investment Plan) calculator is a financial tool that helps you estimate returns on regular investments in mutual funds over a period of time. It takes into account the monthly investment amount, expected rate of return, and investment duration to show how your money might grow.
While our SIP calculator uses standard mathematical formulas to project investment growth, actual returns may vary. Market conditions, fund performance, and economic factors all influence real-world returns. The calculator assumes a constant rate of return, which may not reflect the volatility of actual market investments.
A Step-up SIP is a type of systematic investment plan where your investment amount increases at a predefined rate (typically annually). For example, if you start with ₹5,000 per month and set a 10% step-up rate, you will invest ₹5,500 per month in the second year, ₹6,050 in the third year, and so on. This approach aligns with growing income and can potentially generate higher returns over the long term.
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