SIP Calculator
FinanceCalculate the future value of your Systematic Investment Plan (SIP). Estimate potential returns on your mutual fund investments.
Enter investment details to calculate growth.
What is SIP?
Systematic Investment Plan (SIP) is an investment facility offered by Mutual Funds that allows an individual to invest a fixed amount at regular intervals (usually monthly) in a mutual fund scheme.
The Power of Compounding
SIP works on the principle of compound interest. When you invest for a long period, your returns also earn returns, leading to exponential growth. This is why starting early is crucial.
Example: Starting at 25 vs 35
- Start at 25: Invest ₹5k/month for 35 years @ 12% = ₹3.2 Crores
- Start at 35: Invest ₹5k/month for 25 years @ 12% = ₹94 Lakhs
Result: Delaying by 10 years cost you over ₹2 Crores!
Frequently Asked Questions
Is SIP safe?
SIP is just a method of investing. The safety depends on the mutual fund you choose (Equity is high risk/high return, Debt is lower risk).
Can I stop SIP anytime?
Yes, there is no lock-in period for stopping an SIP. However, some funds (ELSS) have a lock-in period for withdrawal.
What is a good return rate?
Long-term equity mutual funds in India have historically delivered 12-15% annual returns.
How to Use
- 1Enter the Monthly Investment amount.
- 2Enter the Expected Annual Return rate (e.g. 12% for equity funds).
- 3Select the Time Period in years.
- 4View the growth of your investment over time.
Best For
- Planning for long-term financial goals like retirement or education.
- Estimating returns from Mutual Funds.
- Comparing different investment scenarios.