SIP Calculator

What is a SIP (Systematic Investment Planning) Calculator?

A SIP Calculator helps you figure out how much wealth you can create over time by investing a fixed amount every month or lumpsum amount at once into mutual funds. SIP stands for Systematic Investment Plan — it means you invest a small amount regularly (like ₹1,000 or ₹10,000 per month). The calculator shows you:

• How much your total investment will grow
• The estimated returns on your SIP
• The total value of your investment at the end of your chosen time period

It’s a quick and easy way to plan your future and see the power of long-term investing.

How to Use the SIP Calculator?

To use the SIP calculator, you need to fill in these 4 details:

• Monthly Investment Amount – How much you’ll invest every month (for example, ₹5,000)
• Investment Period – For how long you’ll invest (like 5, 10, or 15 years)
• Expected Return Rate (%) – What average return you expect (e.g., 12% annually)

Once you enter these values, the calculator instantly shows:

• Total amount invested
• Estimated return earned
• Final value of your SIP investment

It’s that simple - no Excel or formulas needed.

Why Use a SIP Calculator?

• Plan Your Goals – Know how much you need to invest monthly to reach your financial dreams
• Compounding Magic – See how your money grows over time with interest on interest
• Stay Consistent – A visual plan motivates you to keep investing
• No Guessworking – Make informed investment decisions, not random ones
• Compare Returns – Try different amounts, periods, and returns to see what works best

Whether you're saving for a house, child’s education, or retirement, the SIP calculator gives you a clear path going forward.

For Example: If you invest ₹5,000 monthly for a period of 10 years with a return rate of 12% annually:
Your Invested Amount – ₹6,00,000
Estimated Returns – ₹5,20,179
Total Value – ₹11,20,179

FAQs

What is SIP in mutual funds?

A SIP (Systematic Investment Plan), as name suggests an investment plan that lets you invest a fixed amount regularly into mutual funds, helping you build money over time.

How much will I get if I invest ₹5000 per month in SIP for 10 years?

At a 12% return, ₹5,000/month for 10 years can grow to around ₹11.6 lakhs. Use the calculator for exact numbers.

Can SIP make me rich?

Yes, with long-term discipline, patience and the power of compounding, SIPs can help you build significant wealth over time.

Is SIP better than FD?

SIPs in mutual funds generally offer higher returns than fixed deposits, but they carry stock market risk. Choose based on your financial goals.

Can I stop SIP anytime?

Yes, you can stop your SIP anytime. There is an exit load depending upon the type of mutual fund.