SIP Calculator
Calculate your SIP returns and plan mutual fund investments
Investment Details
SIP Results
Yearly Projection
Disclaimer
These are computer-generated calculations for informational purposes only. Actual returns may vary based on market conditions. Please consult with a financial advisor before making investment decisions. The calculations may not be 100% accurate and should not be the sole basis for financial planning.
What is SIP Calculator?
A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your mutual fund investments through regular monthly contributions. It uses compound interest to show how small, consistent investments can grow into substantial wealth over time.
Essential for financial planning, retirement preparation, and understanding the power of disciplined investing in equity and debt mutual funds.
How SIP Works
Choose a mutual fund scheme based on your risk profile and investment goals
Set up automatic monthly investment of a fixed amount (check minimum requirements)
Money gets invested on a specific date each month regardless of market conditions
Benefit from rupee cost averaging and compounding over the long term
SIP Benefits & Strategies
Rupee Cost Averaging
Buy more units when prices are low and fewer when prices are high, reducing average cost per unit over time.
Power of Compounding
Returns generate their own returns, creating exponential growth especially effective over longer investment horizons.
Disciplined Investing
Automated investments remove emotional decision-making and ensure consistent wealth building regardless of market volatility.
Frequently Asked Questions
What is the minimum SIP amount?
Most mutual funds allow SIP starting from a small amount per month, though some funds may have higher minimums. Check with your fund provider for specific limits.
Can I increase or decrease my SIP amount?
Yes, you can modify SIP amounts through step-up SIPs, pause for up to 3 months, or stop anytime without penalties.
What returns can I expect from SIP?
Equity funds historically average 12-15% annually over 10+ years, while debt funds typically provide 7-9% returns with lower volatility.
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