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SIP Calculator - Systematic Investment Plan

Calculate your mutual fund SIP returns with the power of compounding. Plan your systematic investments and achieve your financial goals through disciplined investing.

Power of Compounding
Disciplined Investing
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SIP Investment Parameters

Market Linked Returns
Returns are market-linked and not guaranteed
Past performance doesn't guarantee future returns
Investments are subject to market risks
Investment Details
₹
₹5,000 per month
Minimum: ₹500 | Maximum: ₹1,00,000 per month
Investment Parameters
%
12% per annum
Conservative: 8-10% | Moderate: 10-12% | Aggressive: 12-15%+
Yrs
10 Years

Benefits of SIP Investing

  • Rupee Cost Averaging: Buy more units when prices are low
  • Power of Compounding: Earn returns on your returns
  • Financial Discipline: Regular investing habit
  • Flexibility: Start with as low as ₹500 per month
  • Long-term Wealth Creation: Ideal for achieving financial goals
SIP Investment Strategy
Start early to maximize the power of compounding
Increase SIP amount annually with your income growth
Stay invested for long term to ride market volatility
Diversify across different mutual fund categories

SIP Returns Projection

Monthly SIP - 10 Years Tenure
₹11.6L
Estimated Investment Value
₹11,61,695
Total Investment Value
₹6,01,695
Wealth Gained Through Returns
₹6,00,000
Total Investment
12%
Expected Return
10 Years
Investment Period
1.9x
Wealth Multiplier
₹5,000
Monthly SIP Amount

Investment vs Returns

Investment vs Returns Breakdown

Investment Insights

  • ✅ Your investment grows 1.9x in 10 years
  • ✅ You earn ₹6.02L returns on ₹6L investment
  • ✅ Effective annualized return: 12%
  • 💡 Consider increasing SIP by 10% annually
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Year-by-Year SIP Growth

YearMonthly SIPYearly InvestmentReturns EarnedTotal ValueCAGR
1₹5.0K₹60.0K₹4.0K₹64.0K6.7%
2₹5.0K₹60.0K₹16.2K₹1.36L6.5%
3₹5.0K₹60.0K₹37.5K₹2.18L6.5%
4₹5.0K₹60.0K₹69.2K₹3.09L6.5%
5₹5.0K₹60.0K₹1.12L₹4.12L6.6%
6₹5.0K₹60.0K₹1.69L₹5.29L6.6%
7₹5.0K₹60.0K₹2.40L₹6.60L6.7%
8₹5.0K₹60.0K₹3.28L₹8.08L6.7%
9₹5.0K₹60.0K₹4.34L₹9.74L6.8%
10₹5.0K₹60.0K₹5.62L₹11.62L6.8%

SIP vs Lump Sum Investment

Parameter SIP (Systematic) Lump Sum
Investment Style Regular monthly investments One-time investment
Risk Management Rupee cost averaging Market timing risk
Minimum Investment ₹500 per month ₹5,000+
Discipline Forces financial discipline Requires self-discipline
Market Timing Not required Critical
Best For Salaried individuals Large corpus available

Why Choose SIP?

Rupee Cost Averaging

Buy more units when prices are low and fewer units when prices are high, averaging your purchase cost.

Power of Compounding

Earn returns on your returns. The longer you stay invested, the more powerful compounding becomes.

Financial Discipline

Automate your investments and build wealth systematically without emotional decisions.

Flexibility

Start with small amounts, increase/decrease SIP as per your financial situation, and stop anytime.

SIP Calculator - Frequently Asked Questions

Common Questions About SIP
What is the minimum SIP investment amount?
Most mutual funds allow SIP investments starting from ₹500 per month. Some funds may have higher minimums, typically ₹1,000 or ₹5,000.
Can I change my SIP amount later?
Yes, you can increase, decrease, or stop your SIP anytime. Most funds allow SIP modifications with a simple request to the fund house.
What is rupee cost averaging in SIP?
Rupee cost averaging means you buy more units when prices are low and fewer units when prices are high, which averages out your purchase cost over time.
Are SIP returns guaranteed?
No, SIP returns are not guaranteed as they are linked to market performance. Mutual funds are subject to market risks, and past performance doesn't indicate future returns.
Can I have multiple SIPs?
Yes, you can have multiple SIPs in different mutual funds to diversify your portfolio and spread your risk across various asset classes.
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