SIP Calculator
Calculate your Systematic Investment Plan (SIP) returns, maturity amount, and wealth creation potential. Plan your mutual fund investments with accurate SIP calculations.
SIP Investment Details
SIP Results
Enter your SIP details and click "Calculate SIP Returns" to see your investment growth
What is SIP and How Does it Work?
A Systematic Investment Plan (SIP) is a disciplined investment approach where you invest a fixed amount regularly in mutual funds. Our SIP calculator helps you estimate the future value of your investments based on the power of compounding. SIP allows you to invest small amounts monthly, making wealth creation accessible to everyone regardless of income level.
Benefits of SIP Investment
SIP offers numerous advantages including rupee cost averaging, which reduces the impact of market volatility by buying more units when prices are low and fewer when prices are high. The power of compounding in SIP investments can significantly multiply your wealth over time. Our SIP calculator demonstrates how regular investments of ₹5,000 per month can grow to substantial amounts over 10-20 years.
Best SIP Plans 2025
The best SIP plans for 2025 include diversified equity funds, ELSS funds for tax saving, and balanced hybrid funds for moderate risk. Large-cap funds offer stability while mid-cap and small-cap funds provide higher growth potential. Use our SIP calculator to compare different investment scenarios and choose the right SIP amount based on your financial goals.
SIP vs Lump Sum Investment
Our SIP calculator includes a comparison feature between SIP and lump sum investments. While lump sum investments can benefit from immediate market exposure, SIP provides better risk management through systematic investing. The calculator shows how SIP's rupee cost averaging can often outperform lump sum investments in volatile markets, making it ideal for long-term wealth creation.
SIP Calculator FAQs
Our SIP calculator provides accurate estimates based on compound interest calculations. However, actual returns may vary due to market conditions, fund performance, and expense ratios. The calculator assumes a consistent return rate, while real mutual fund returns fluctuate.
Most mutual funds allow SIP investments starting from ₹500 per month. However, for meaningful wealth creation, consider investing at least ₹2,000-₹5,000 monthly. Use our SIP calculator to see how different amounts grow over time and choose based on your financial capacity.
Yes, you can increase your SIP amount through Step-up SIP or by starting additional SIPs. Many funds offer automatic annual increases of 5-10%. This helps counter inflation and accelerates wealth creation as your income grows.
Historically, equity mutual funds have delivered 12-15% annual returns over long periods. Debt funds typically provide 6-8% returns. Our SIP calculator uses these ranges as default values, but actual returns depend on market conditions and fund selection.
Continue SIP until you achieve your financial goals. Avoid stopping during market downturns as this is when you accumulate more units at lower prices. Use our SIP calculator to track progress toward your target amount and adjust duration accordingly.