SIP Calculator
Calculate your SIP returns, wealth gained, and future value of systematic investment plan.
* All calculations are approximate.
How SIP Works?
Calculate your SIP returns, wealth gained, and future value of systematic investment plan.
SIP allows you to invest a fixed amount in mutual funds at regular intervals, typically monthly.
Each installment buys units at the current NAV — you get more units when markets are low and fewer when high.
This rupee cost averaging reduces the impact of market volatility on your overall investment.
Over time, the power of compounding grows your wealth exponentially as returns generate further returns.
Formula Used
FV = P × [((1+r)^n - 1) / r] × (1+r)
Where P = Monthly investment, r = Monthly rate of return, n = Total number of installments
Important — Read Before You Decide
- Mutual fund investments are subject to market risks
- Past performance does not guarantee future returns
- SIP returns are estimated and actual returns may vary
- Exit load may apply if you redeem within 1 year
- Check the expense ratio — it directly impacts your returns
- Tax implications differ for equity and debt funds
What Happens If You Ignore These?
- Missing the power of compounding by delaying investments
- Inflation eroding your savings if kept only in savings accounts
- Insufficient corpus for retirement or major goals
- Panic selling during market downturns locks in losses
Smart Tips
- Start SIP early — even small amounts grow significantly over time
- Increase your SIP amount by 10% every year (step-up SIP)
- Don't stop SIP during market crashes — it averages your cost
- Choose direct plans over regular plans to save on commissions
- Diversify across large-cap, mid-cap, and index funds
Frequently Asked Questions
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