SIP Calculator
Plan your financial future with ease – estimate your SIP returns in seconds!
SIP Calculator
Calculate your systematic investment plan returns and wealth growth over time
Minimum: ₹500
Range: 1-50 years
Typical range: 8-15%
Investment Summary
Investment Breakdown
Investment Growth
Investment Growth Over Time
Key Milestones
About SIP Calculator
1What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, or annually) regardless of market conditions. This strategy helps in rupee cost averaging and builds wealth over the long term through the power of compounding.
2How Does Our SIP Calculator Work?
Our SIP calculator uses the compound interest formula to estimate the future value of your investments. It considers your monthly investment amount, investment tenure, and expected annual return rate to calculate:
3Benefits of SIP Investments
4SIP Calculator Formula
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Where:
Frequently Asked Questions About SIP
What is the minimum amount for starting a SIP?
Most mutual fund companies allow you to start a SIP with as low as ₹500 per month. However, some funds may have higher minimum amounts, typically ranging from ₹1,000 to ₹5,000 per month.
Can I pause or stop my SIP anytime?
Yes, SIPs offer complete flexibility. You can pause, stop, increase, or decrease your SIP amount at any time without any penalty. You can also restart a paused SIP whenever you want.
How accurate are SIP calculator results?
SIP calculators provide estimates based on the expected return rate you input. Actual returns may vary depending on market conditions. The calculations assume a consistent return rate, while real markets fluctuate.
What's the ideal investment tenure for SIPs?
For equity mutual funds, a minimum tenure of 5-7 years is recommended to ride out market volatility. For long-term wealth creation, 10-15 years or more is ideal to maximize the benefits of compounding.
Which mutual funds are best for SIP?
Equity mutual funds are generally preferred for SIPs due to their long-term growth potential. Large-cap, multi-cap, and diversified equity funds are popular choices. Consult a financial advisor for personalized recommendations.
What happens if I miss a SIP installment?
If you miss 1-2 installments due to insufficient balance, it's usually not a problem. However, if you miss 3 consecutive installments, your SIP might get canceled automatically, and you'll need to restart it.
Are there any charges for SIP investments?
Direct mutual fund SIPs don't have any charges from the fund house. However, some banks may charge for auto-debit services. It's advisable to invest through direct plans to avoid distributor commissions.
Can I invest in multiple SIPs simultaneously?
Absolutely! You can run multiple SIPs across different mutual fund schemes to diversify your portfolio. This helps in spreading risk and potentially earning better returns across various market segments.