About SIP Calculator
This free SIP calculator estimates the wealth you can build through a Systematic Investment Plan (SIP) in mutual funds. Enter your monthly SIP amount, expected annual return and investment duration to see total corpus, invested amount and gains.
SIP returns are calculated using compound interest formula: M = P ร [(1+r)^n - 1] / r ร (1+r), where P is monthly SIP, r is monthly return rate (annual/12), and n is number of months. Historical equity mutual fund returns in India have averaged 12โ15% per annum over 10+ year periods. Past performance is not a guarantee of future returns.
Note: These are indicative estimates. Actual returns vary based on market performance. Invest through SEBI-registered advisors.
Frequently Asked Questions
What is SIP and how does it work?+
SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. Units are bought at the current NAV, averaging out purchase cost over time (rupee cost averaging). It is one of the best wealth creation tools for long-term investors.
What return should I expect from SIP?+
Large cap equity funds have historically given 10โ12% annually over 10+ years. Mid/small cap funds can give 14โ18% but with higher volatility. Debt funds give 6โ8%. Use 12% as a balanced assumption.
What is the minimum SIP amount?+
Most mutual funds accept SIP starting from โน100โ500 per month. This calculator supports from โน500/month. There is no maximum limit on SIP amounts.
Is SIP safe? Can I lose money?+
SIP in equity mutual funds carries market risk. However, long-term SIPs (10+ years) have rarely given negative returns historically in India. Debt fund SIPs are safer but give lower returns.
How much SIP do I need for 1 crore?+
At 12% annual return: โน5,500/month for 20 years, โน21,000/month for 15 years, โน43,000/month for 10 years. Use the goal planner above to calculate for your target amount and timeline.