SIP Calculator
₹ 11,61,695
Frequently Asked Questions
What is SIP and how does the calculator work?
SIP (Systematic Investment Plan) is a method to invest a fixed amount in mutual funds every month. The calculator uses compound interest formula to show your wealth growth over time.
Is the SIP Calculator free?
Yes, completely free. No signup or account required.
What is a realistic expected return rate for SIP in India?
Equity mutual funds in India have historically delivered 12–15% CAGR over long periods. Debt funds deliver 6–8%. Use 12% as a conservative estimate for equity SIPs.
What is the minimum SIP amount?
Most mutual funds in India allow SIPs starting from ₹500 per month. Some funds allow ₹100 per month.
How is SIP different from a lump sum investment?
SIP spreads your investment over time, averaging out market fluctuations (rupee cost averaging). Lump sum invests all at once. SIP is generally better for salaried individuals.
How to Use SIP Calculator
Enter your monthly SIP amount — this is the fixed amount you will invest each month.
Set the expected annual return rate. Use 12% for equity mutual funds (conservative historical estimate) or 7% for debt funds.
Enter your investment duration in years. Even 5–10 years shows significant compounding effect.
Your projected wealth, total invested amount, and estimated returns appear instantly — adjust the duration to see long-term compounding in action.