📈 SIP Calculator

Calculate your Systematic Investment Plan returns. Plan your wealth creation journey with accurate projections.

💰 Investment Details

Monthly Investment (₹) ₹10,000
Expected Return Rate (% p.a.) 12%
Investment Period (Years) 10 years

📊 Your SIP Returns

₹23.2L
Total Value
₹12L
Invested
₹11.2L
Est. Returns
No. of Monthly Investments 120
Wealth Gain Ratio 1.93x
Absolute Returns 93.3%

Tool Features

  • Visual Growth Charts: See your wealth compound with intuitive donut charts.
  • Instant Updates: Real-time calculation as you adjust sliders.
  • Detailed Breakdown: Clear separation of invested amount vs. profit.
  • Wealth Ratio: Understand your money's multiplication factor.

Understanding SIP

A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds. By investing a fixed amount regularly, you benefit from rupee cost averaging and the power of compounding.

SIP Formula

M = P × ({[1 + r]^n - 1} / r) × (1 + r)

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❓ Frequently Asked Questions

What is a SIP calculator? +
A SIP calculator is a tool that helps you estimate the future value of your Systematic Investment Plan investments. By inputting your monthly investment amount, expected return rate, and investment period, you can see how much wealth you can potentially create.
How is SIP return calculated? +
SIP returns are calculated using the compound interest formula adapted for periodic investments. Each monthly investment grows at the expected rate of return for its remaining investment period. The total maturity value is the sum of all these individually compounded investments.
What is a good SIP amount to start with? +
You can start a SIP with as little as ₹500 per month. However, the ideal amount depends on your financial goals and income. A general rule is to invest 15-20% of your monthly income. As your income grows, you can increase your SIP amount through step-up SIPs.
What returns can I expect from SIP? +
SIP returns depend on the type of mutual fund. Equity funds have historically given 10-15% annual returns over the long term (10+ years). Debt funds typically return 6-9%. However, past performance doesn't guarantee future results.
Is SIP better than lump sum investment? +
SIP is generally better for most investors because it reduces timing risk through rupee cost averaging. Lump sum can outperform in a rising market, but requires capital upfront and carries higher timing risk. SIP is recommended for steady wealth building.
Can I stop or pause my SIP anytime? +
Yes, SIPs offer complete flexibility. You can pause, stop, or modify your SIP anytime without any penalty. Your existing investments remain invested and continue to grow. However, staying invested for the long term typically yields better results.
What is Step-up SIP? +
Step-up SIP (or Top-up SIP) automatically increases your SIP amount periodically, usually by a fixed percentage annually. This helps you invest more as your income grows and can significantly boost your wealth creation.
Are SIP investments tax-free? +
Tax treatment depends on the fund type. ELSS (Equity Linked Savings Scheme) SIPs offer tax deduction under Section 80C up to ₹1.5 lakh. For equity funds, long-term capital gains above ₹1 lakh are taxed at 10%. Debt funds have different tax rules.
How long should I continue SIP? +
The longer you continue SIP, the more you benefit from compounding. For equity funds, a minimum of 5-7 years is recommended to ride out market volatility. For goals like retirement, 15-25 year SIPs can create substantial wealth.
Is this calculator accurate? +
This calculator provides estimates based on assumed constant returns. Actual mutual fund returns fluctuate over time. Use this as a planning tool, not a guarantee.