SIP Calculator
A SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. This calculator shows how your monthly investment can grow over the years with the power of compounding.
How to Use This SIP Calculator
- Enter your monthly SIP amount (e.g. ₹5,000).
- Enter the expected yearly return (equity funds have historically averaged 10–14%).
- Enter the number of years you plan to invest and tap Calculate.
Formula
Maturity = M × ((1+r)ⁿ − 1) ÷ r × (1+r), where M = monthly investment, r = monthly return rate, n = total months.
Example: ₹5,000 per month at 12% for 10 years: invested ₹6,00,000, estimated returns ≈ ₹5,61,695, total value ≈ ₹11,61,695.
Frequently Asked Questions
▶ What is a SIP?
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in mutual funds at regular intervals, usually monthly, instead of investing a lump sum.
▶ Are SIP returns guaranteed?
No. Mutual fund returns depend on market performance. The calculator shows an estimate based on the expected return rate you enter.
▶ What is a good SIP amount to start with?
You can start with as little as ₹500 per month. What matters most is starting early and staying consistent — time in the market beats timing the market.
▶ Should I stop my SIP when markets fall?
Generally no. Continuing your SIP during market dips lets you buy more units at lower prices, which can improve long-term returns.
