SIP Calculator
Plan your Systematic Investment Plan (SIP) and estimate potential returns.
What is a SIP Calculator?
A SIP, or Systematic Investment Plan, is basically your financial habit tracker—but with long-term rewards. It’s a simple tool that helps you figure out how much your monthly mutual fund investments might grow over time. The idea? You invest a set amount each month. Nothing flashy. But over the years, thanks to the magic of compounding and the benefit of buying at different market levels (a fancy way of saying “rupee cost averaging”), that routine can quietly grow into something big.
How Our Calculator Works
It’s pretty simple, really. You just tell us three things: how much you’d like to invest each month, what kind of returns you’re hoping for, and how long you plan to stick with it. That’s it. We take it from there—doing the math behind the scenes using good old compound interest. In a second, you’ll see your potential future value laid out clearly. And to make it easier to digest, there’s a handy chart that shows how much you’ve put in versus how much your money might earn.
Why SIP Makes Sense
- You don’t stress over the market’s mood swings: Whether it’s soaring or slumping, you stick to the plan—investing the same amount each month. It’s like riding out waves in a steady boat instead of trying to guess when the sea will calm.
- Your money pulls double shifts: Those returns? They don’t just sit there. They get reinvested and start earning too—kind of like a snowball that picks up more snow (and speed) the longer it rolls.
- No more “Oops, I forgot”: Set it up once and forget it. Your investments keep showing up month after month—even if you’re off binge-watching your favorite show.
- Start small. Seriously small: You can kick things off with just ₹500 a month. That’s less than what many of us spend on coffee dates or random impulse buys.
- Timing the market? Skip it: Waiting for the “perfect moment” is like waiting for all green lights on your way to work—it rarely happens. SIPs are more about showing up regularly than trying to be right every time.
Let's Talk Numbers
Here's something that might surprise you. Invest ₹5,000 every month for 15 years. That's ₹9 lakhs from your pocket. But at 12% annual returns? Your money could build up to nearly ₹25 lakhs over time. That extra ₹16 lakhs? That's the magic of compounding doing its thing.
Making SIP Work for You
Start Today, Not Tomorrow
Time is your biggest ally here. Even a 5-year head start can mean lakhs more in your pocket later.
Don't Hit Pause
Markets will go down. That's when SIP works best - you're buying more units for the same money.
Step It Up
Got a raise? Bump up your SIP by 10-15%. Your future self will thank you.
Pick Smart
Match your fund choice with your goals. Retiring in 30 years? You can handle some risk. Need money in 3 years? Play it safer.
Reality Check on Returns
Our calculator gives you estimates, not guarantees. Real markets are messier than spreadsheets. Good equity funds have historically delivered 10-15% annually over long periods. But some years you'll make 25%, others you might lose 10%. That's investing for you.
Is SIP Right for You?
SIP works great if you're:
- Just starting out and want to build wealth gradually
- Getting a steady paycheck and can invest regularly
- Nervous about investing a big lump sum all at once
- Working towards important life goals, like your child’s education fund or your own retirement
💡 Quick Experiment
Play around with our calculator. Bump your monthly SIP from ₹5,000 to ₹6,000 and watch what happens to your final amount. Even small increases compound into surprisingly big differences over time. It's like the difference between walking and jogging - doesn't seem like much day to day, but over years? Huge impact.