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SIP Calculator
See what your monthly SIP will grow into.
Enter values to see your result
About the SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month in a mutual fund. The power of compounding and rupee cost averaging makes SIPs one of the best wealth-building tools for salaried Indians.
The math
This calculator uses the future value of an annuity formula: FV = M × ((1+r)^n – 1) / r × (1+r), where M is monthly investment, r is monthly return rate, and n is months.
Expected returns by category
- Equity funds: 10-14% long-term
- Hybrid funds: 8-11%
- Debt funds: 6-8%
Past performance doesn't guarantee future returns — always read scheme documents.
Frequently asked questions
What is a SIP?
SIP stands for Systematic Investment Plan. You invest a fixed amount every month in a mutual fund, which helps average out the purchase price and build wealth over time.
Are SIP returns guaranteed?
No. SIPs invest in mutual funds, which are market-linked. Historical equity funds have averaged 10-14% over 10+ years, but actual returns vary.
Can I stop a SIP anytime?
Yes. You can pause, stop, or modify a SIP anytime without penalties.
What is the minimum SIP amount?
Most mutual funds allow SIPs starting from ₹100 to ₹500 per month.