SIP Calculator
Calculate the future value of your monthly investments.
(Example: Enter 10% if you plan to increase investment as your salary grows).
Projected Maturity Value
Total Invested
Wealth Gained
Investment Growth (Year-on-Year)
Year-by-Year Breakdown
| Year | Opening Bal | Invested | Interest | Closing Bal |
|---|
What is a SIP? (Systematic Investment Plan)
A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds. You invest a fixed amount at regular intervals (usually monthly). It allows you to build wealth over time without needing a large lump sum upfront.
The Core Benefits of SIP
- Power of Compounding: Your returns earn more returns. The earlier you start, the more your money grows.
- Rupee Cost Averaging: You buy more units when markets are low and fewer when they are high, averaging out your cost.
- Financial Discipline: Automating your investment treats it like a mandatory bill, ensuring you save first.
The Step-Up Strategy
Our calculator includes a "Step-up" feature. This means increasing your SIP amount every year
(e.g., by 10% as your salary increases).
Example: A ₹5,000 SIP for 20 years at 12% gives ~₹50 Lakhs.
With a 10% annual step-up, it gives ~₹98 Lakhs! Small increases make a massive difference.
Frequently Asked Questions
Q. What is a good return rate for SIP?
For long-term equity mutual funds (5+ years), a historical average of 12-15% is often used. For debt funds, 6-8% is realistic.
Q. SIP vs. Lumpsum?
SIP reduces risk through averaging and is best for salaried people. Lumpsum is high-risk, high-reward and best when markets are low.