SIP Calculator
Calculate how your systematic monthly investments will grow over time. Adjust the parameters to see the power of compounding.
Invested
₹6.00 L
Returns
₹5.62 L
Total Value
₹11.62 L
Frequently Asked Questions
What is a SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It helps in rupee cost averaging and building wealth over time through the power of compounding.
How is SIP return calculated?
SIP returns are calculated using the compound interest formula: FV = P × ((1 + r)^n - 1) / r × (1 + r), where P is the monthly investment, r is the monthly rate of return, and n is the total number of months.
What is a good SIP amount to start with?
You can start a SIP with as little as ₹500 per month. However, ₹5,000-₹10,000 per month is recommended for meaningful wealth creation over 10+ years.
Is SIP safe?
SIP in mutual funds is subject to market risk. However, investing via SIP reduces timing risk through rupee cost averaging. Equity mutual fund SIPs have historically delivered 12-15% returns over 10+ year periods in India.
How to Use This SIP Calculator
This SIP calculator helps you estimate the future value of your monthly mutual fund investments. Simply adjust the monthly investment amount, expected annual return rate, and investment duration to see how your money grows. The calculator uses the compound interest formula to give you an accurate projection.
Benefits of SIP Investing
- Rupee cost averaging reduces market timing risk
- Power of compounding grows your wealth exponentially
- Disciplined investing habit with small amounts
- Flexibility to increase, decrease, or pause anytime