SIP Calculator

Plan your mutual fund investments and estimate potential returns with our Systematic Investment Plan calculator

Accurate return projections
Adjust for inflation and taxes
Visual growth charts
Investment growth chart
₹
Enter your monthly investment amount (minimum ₹500).
Years
Enter investment duration (1-40 years).
%
Enter expected annual return rate (1-30%).
Select the type of mutual fund for tax calculations.

Estimated Returns

Invested Amount
₹6,00,000
Est. Returns
₹5,72,432
Total Value (After Tax)
₹11,72,432
Annualized Return
12.0%
How SIP Works
Start with Small Investments

Begin with as little as ₹500 per month

Benefit from Rupee Cost Averaging

Buy more units when prices are low

Power of Compounding

Earnings generate their own earnings over time

Year Invested (₹) Returns (₹) Total Value (₹) CAGR (%)

Return Sensitivity

See how different return rates affect your investment growth over time.

Investment Period Impact

Understand how extending your investment horizon can increase returns.

Inflation Adjusted Returns

Calculate the real purchasing power of your investment after accounting for inflation.

SIP vs Lump Sum

Compare SIP investments with one-time lump sum investments.

What is SIP?

A Systematic Investment Plan (SIP) is an investment strategy where you invest a fixed amount regularly (usually monthly) in mutual funds. It allows you to invest small amounts periodically rather than needing a large lump sum.

SIPs help in rupee cost averaging - you buy more units when prices are low and fewer units when prices are high, which can potentially lower your average cost per unit over time.

Did You Know?

Investing ₹10,000 monthly at 12% return for 30 years can grow to over ₹3.5 crores, with total investments of just ₹36 lakhs!

Benefits of SIP

SIP instills financial discipline by automating regular investments, helping you stay committed to your financial goals regardless of market conditions.

By investing fixed amounts regularly, you automatically buy more units when prices are low and fewer when prices are high, potentially lowering your average cost.

The longer you stay invested, the more your money works for you as returns generate their own returns, creating a snowball effect over time.

SIPs allow you to start with small amounts (as low as ₹500) and increase investments as your income grows, making wealth creation accessible to everyone.

Frequently Asked Questions

The SIP calculator uses the compound interest formula to estimate the future value of your regular investments. It considers your monthly investment amount, investment duration, expected rate of return, and fund type to project your potential returns after taxes.

Both SIP and lump sum investments have advantages. SIP mitigates market timing risk through rupee cost averaging and is more accessible. Lump sum investments may perform better in rising markets. Use the "Advanced Analysis" tab to compare both.

No, SIP returns are not guaranteed as they depend on the performance of the mutual fund scheme, which is subject to market risks. The calculator provides projections based on your inputs, but actual returns may vary.

For equity funds, gains up to ₹1 lakh per year are tax-free (LTCG after 1 year at 10%). For debt funds, LTCG (after 3 years) is taxed at 20% with indexation. STCG is taxed at your income slab rate (assumed 30% in calculator).

Historical averages are ~12% for equity funds, 8-9% for hybrid funds, and 6-7% for debt funds over 10+ years. Conservative investors may assume 10-12% for equity, aggressive investors 12-15%. Adjust for inflation (~6%) for real returns.