SIP Calculator
Inflation-adjusted Real Value:₹0
SIP Growth Comparison
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What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a disciplined method offered by mutual funds in India to invest a fixed sum of money regularly—usually monthly. Instead of timing the stock market, you build wealth step-by-step through rupee cost averaging and compounding.
When you invest regularly via SIP, you benefit from two powerful financial mechanics: Rupee Cost Averaging (buying more units when prices are low) and Compounding Interest (returns generating further returns over time).
Frequently Asked Questions
Q.What is a SIP Calculator?
A SIP (Systematic Investment Plan) calculator is an online financial tool that helps you estimate the future returns of your monthly investments in mutual funds based on an expected rate of return.
Q.How do mutual fund SIP calculators work?
They use the compound interest formula for periodic investments: FV = P × [((1 + r)^n - 1) / r] × (1 + r), compounding your monthly deposits over your selected tenure.
Q.Is SIP return guaranteed?
No, mutual fund investments are subject to market risks, and returns are not guaranteed. However, long-term equity SIPs historically generate 12-15% annual returns in India.
Q.What is the minimum amount to start a SIP?
You can start a mutual fund SIP in India with as little as ₹100 or ₹500 per month, depending on the scheme guidelines.
Q.Can I change my SIP amount later?
Yes, you can stop, pause, increase, or decrease your SIP investment anytime via your investment platform without any penalties.