💰 SIP Calculator

Calculate returns on your Systematic Investment Plan and achieve your financial goals

SIP Details

Expected Returns

Maturity Value
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Total Investment

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Returns

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Invested Returns

About SIP

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. It's a disciplined way to build wealth over time through the power of compounding and rupee cost averaging. SIP helps you invest without timing the market and is ideal for long-term wealth creation.

How to Use This Calculator:

  1. Enter your monthly investment amount (minimum ₹500)
  2. Set your expected annual return (historically 12-15% for equity funds)
  3. Choose your investment period (longer periods benefit more from compounding)
  4. View your maturity value, total investment, and expected returns
  5. Use the progress bar to visualize investment vs. returns

Key Benefits:

  • Disciplined Investing: Automate your investments with auto-debit facility
  • Rupee Cost Averaging: Buy more units when NAV is low, fewer when high
  • Power of Compounding: Earn returns on your returns over time
  • Flexibility: Start with as little as ₹500 per month
  • No Market Timing: Invest systematically regardless of market conditions
  • Step-up Option: Increase SIP amount annually (top-up SIP)

Investment Options for SIP:

  • Large Cap Funds: Lower risk, 10-12% returns, invest in top 100 companies
  • Mid Cap Funds: Moderate risk, 12-15% returns, higher growth potential
  • Small Cap Funds: Higher risk, 15-18% returns, maximum growth potential
  • Flexi Cap Funds: Balanced risk, 12-14% returns, invest across market caps
  • Index Funds: Low cost, 11-13% returns, track Nifty/Sensex
  • ELSS: Tax saving, 12-15% returns, 3-year lock-in, 80C benefit

SIP Strategy Tips:

  • Start Early: A 25-year-old investing ₹5,000/month reaches ₹1.5 Cr by 60 (at 12%)
  • Stay Invested: Don't stop SIP during market downturns—that's when you accumulate more units
  • Increase Annually: Step-up SIP by 10-15% yearly as your income grows
  • Diversify: Split across 3-4 funds in different categories
  • Review Quarterly: Check fund performance but don't react to short-term volatility
  • Long-term Focus: Minimum 5 years for equity SIPs, 7+ years ideal
  • Auto-pilot Mode: Set and forget—avoid stopping based on market news
  • Tax Efficiency: Use ELSS for 80C, regular funds for other goals