SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP)
💡 Tip: Click value to edit directly. Supports shorthand (5L, 2.5Cr) or exact numbers (725000)
Quick Presets
Total Investment
Profit Gained
SIP Summary
Year-wise Growth Projection
What is SIP (Systematic Investment Plan)?
A Systematic Investment Plan (SIP) is a disciplined approach to investing where you invest a fixed amount regularly in mutual funds. SIP helps you build wealth over time through the power of compounding and rupee cost averaging.
Benefits of SIP:
- Rupee Cost Averaging: Reduces the impact of market volatility
- Power of Compounding: Your returns generate returns over time
- Disciplined Investing: Builds a regular investment habit
- Flexibility: Can start with as low as ₹500 per month
- Convenience: Automated investments through bank mandates
SIP Calculation Formula:
The SIP future value is calculated using the formula:
Where: FV = Future Value, P = Monthly Investment, r = Monthly Rate of Return, n = Number of Months
Frequently Asked Questions
What is the minimum amount to start SIP?
Most mutual funds allow SIP investment starting from ₹500 per month, though some funds may have higher minimums of ₹1,000 or ₹5,000.
Can I change my SIP amount?
Yes, you can increase or decrease your SIP amount. Some fund houses offer step-up SIP where the amount increases automatically each year.
What returns can I expect from SIP?
Returns depend on the fund's performance and market conditions. Historically, equity mutual funds have generated 10-15% annual returns over long periods.
Can I stop SIP anytime?
Yes, SIP investments are flexible. You can pause, stop, or modify your SIP at any time without any penalty.