SIP Calculator
Calculate your Systematic Investment Plan (SIP) returns and projected wealth growth. See how regular monthly investments compound over time.
Investment Details
Enter your investment details and click "Calculate SIP" to see your results
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Frequently Asked Questions
What is SIP?▼
Systematic Investment Plan (SIP) is a method of investing fixed amounts regularly in mutual funds. Instead of investing a lump sum, you invest a small amount every month, which helps in rupee cost averaging and reduces market volatility risk.
What's a good expected return rate?▼
Expected returns vary by investment type: Equity/Stock funds: 12-15% per annum, Balanced funds: 8-10%, Debt/Bond funds: 5-7%, Bank FDs: 6-7%. Past performance doesn't guarantee future results.
What's the minimum SIP amount?▼
Most mutual funds allow SIPs starting from ₹100-500 per month. Some funds have no minimum. Higher amounts don't necessarily give better returns, but consistent investing does.
What is Step Up in SIP?▼
Step Up SIP allows you to increase your monthly investment by a fixed percentage each year. For example, with 10% step-up on a ₹10,000 SIP: Year 1 = ₹10,000/month, Year 2 = ₹11,000/month, Year 3 = ₹12,100/month, etc. This is ideal as your income grows and you can afford higher investments.