What is a SIP Calculator?

A SIP Calculator is a tool that helps you calculate the future value of your Systematic Investment Plan (SIP) in mutual funds. It shows how much your monthly investments will grow over time with compounding returns.

How does SIP calculation work?

SIP calculation uses the compound interest formula: FV = P × ({[1 + r]^n – 1} / r) × (1 + r), where P is monthly investment, r is monthly rate of return, and n is total number of months.

What is a good SIP return rate in India?

Equity mutual funds in India typically deliver 12-15% annual returns over the long term (10+ years). Debt funds offer 7-9% returns. The actual returns vary based on market conditions and fund performance.

Can I start SIP with ₹500 per month?

Yes, most mutual funds in India allow SIP starting from ₹500 per month. Some funds even offer SIP starting from ₹100 per month.

SIP Calculator

Calculate your Systematic Investment Plan returns

Investment Details

Monthly Investment (₹)

Expected Return Rate (% p.a.)

Typical range: 10-15% for equity funds

Time Period (Years)

Results

Total Investment

₹0

Estimated Returns

₹0

Total Value

₹0

Breakdown:

Enter values and click calculate

What is SIP?

Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. It uses rupee cost averaging and the power of compounding to generate wealth over time.

Benefits of SIP Investment

SIP (Systematic Investment Plan) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, etc.). It's one of the most popular investment options in India for building wealth over time.

Key Benefits

Disciplined investing with small amounts - start from as low as ₹500/month
Rupee cost averaging reduces market timing risk
Power of compounding for long-term wealth creation
Flexible - can increase, decrease, or pause anytime
Tax benefits under Section 80C for ELSS funds