SIP Calculator

Calculate the future value of your Systematic Investment Plan (SIP). See how regular monthly investments can help you build wealth over time through the power of compounding.

SIP Details
Plan your investment
₹

Amount to invest every month

12%
1%30%
10 years
1 year40 years
Total Months120
Total Investment₹6,00,000

Maturity Value

₹11,61,695

Estimated Returns

₹5,61,695

93.6% gain

Total Invested

₹6,00,000

₹5,000/month

Growth Projection
See how your SIP grows over time
Yearly Breakdown
Detailed year-by-year projection
YearInvestedReturnsTotal Value
1₹60,000₹4,047₹64,047
2₹1,20,000₹16,216₹1,36,216
3₹1,80,000₹37,538₹2,17,538
4₹2,40,000₹69,174₹3,09,174
5₹3,00,000₹1,12,432₹4,12,432
6₹3,60,000₹1,68,785₹5,28,785
7₹4,20,000₹2,39,895₹6,59,895
8₹4,80,000₹3,27,633₹8,07,633
9₹5,40,000₹4,34,108₹9,74,108
10₹6,00,000₹5,61,695₹11,61,695

What is SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly (usually monthly). It's one of the most popular and disciplined ways to invest in mutual funds.

SIP works on the principle of regular investing and rupee cost averaging. When markets are high, you buy fewer units, and when markets are low, you buy more units. Over time, this averages out your purchase cost and reduces the impact of market volatility.

Benefits of SIP

  • •Disciplined Investing: Automates your investment process
  • •Rupee Cost Averaging: Reduces market timing risk
  • •Power of Compounding: Earn returns on your returns
  • •Flexibility: Start, stop, or modify anytime
  • •Affordable: Start with as little as ₹500/month

Frequently Asked Questions

What is SIP (Systematic Investment Plan)?

SIP is a method of investing a fixed amount regularly in mutual funds. It allows you to invest systematically and benefit from rupee cost averaging and the power of compounding.

How is SIP different from lumpsum investment?

SIP involves investing small amounts regularly (monthly), while lumpsum is a one-time large investment. SIP reduces market timing risk and is suitable for regular income earners.

What is a good SIP amount to start with?

You can start with as little as ₹500 per month. Financial advisors recommend investing 20-30% of your monthly income. Start with what you can afford and increase gradually.

Can I stop or pause my SIP anytime?

Yes, SIPs are flexible. You can stop, pause, or modify your SIP amount anytime without any penalty. However, staying invested for the long term yields better results.

What returns can I expect from SIP?

Historical data shows equity mutual funds have given 12-15% annual returns over the long term. However, returns vary based on market conditions and fund performance. Past performance doesn't guarantee future returns.