SIP Calculator
Our easy-to-use tool takes into account various factors such as investment amount, tenure, and expected rate of return to provide you with accurate investment projections.
Invested Amount
₹6,00,000
Estimated Returns
₹4,62,000
Total Value
₹10,62,000
Projected SIP returns for various time durations
| Monthly Investment | Time Period | Expected Return | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|---|---|
| ₹5,000 | 5 Years | 12% | ₹3,00,000 | ₹1,05,000 | ₹4,05,000 |
| ₹5,000 | 10 Years | 12% | ₹6,00,000 | ₹4,62,000 | ₹10,62,000 |
| ₹5,000 | 15 Years | 12% | ₹9,00,000 | ₹12,15,000 | ₹21,15,000 |
| ₹5,000 | 20 Years | 12% | ₹12,00,000 | ₹26,40,000 | ₹38,40,000 |
| ₹5,000 | 25 Years | 12% | ₹15,00,000 | ₹52,50,000 | ₹67,50,000 |
Your SIP Investment Results
See how your systematic investments grow over time with our detailed projection analysis.
Investment Summary
Monthly Investment
₹5,000
Investment Period
10 Years
Expected Return
12% p.a.
Compounding
Monthly
Results
Growth Visualization
Year-by-Year Breakdown
| Year | Invested | Returns | Total Value |
|---|---|---|---|
| Year 1 | ₹60,000 | ₹3,800 | ₹63,800 |
| Year 3 | ₹1,80,000 | ₹35,600 | ₹2,15,600 |
| Year 5 | ₹3,00,000 | ₹1,05,000 | ₹4,05,000 |
| Year 7 | ₹4,20,000 | ₹2,20,000 | ₹6,40,000 |
| Year 10 | ₹6,00,000 | ₹4,62,000 | ₹10,62,000 |
Want to see how different values affect your returns?
About Investment Systematic Investment Plan (Sip)
Learn how SIP investments can help you build wealth over time through disciplined and regular investing.
What is a Systematic Investment Plan?
A Systematic Investment Plan (SIP) is an investment strategy that allows you to invest a fixed amount regularly in mutual funds. It's similar to a recurring deposit but offers potentially higher returns.
SIPs help you develop a disciplined approach to investing and benefit from rupee-cost averaging and the power of compounding over time.
Key Benefits of SIP
- ✓ Disciplined approach to wealth creation
- ✓ Rupee-cost averaging reduces market timing risk
- ✓ Power of compounding works in your favor
- ✓ Start with as little as ₹500 per month
Benefits Of SIP In 2023
1. Rupee Cost Averaging
SIPs allow you to buy more units when prices are low and fewer when prices are high, effectively averaging out your purchase cost over time.
2. Power of Compounding
The earlier you start, the more time your money has to grow. Even small amounts invested regularly can grow significantly over long periods.
3. Financial Discipline
SIPs instill a habit of regular saving and investing, helping you achieve your financial goals without feeling the burden of investing large sums.
4. Flexibility
You can start, stop, increase or decrease your SIP amount based on your financial situation, offering complete control over your investments.
Best Mutual Funds For Sip in 2023-24
| Fund Name | Category | 1-Year Returns | 3-Year Returns | 5-Year Returns | Min. SIP Amount |
|---|---|---|---|---|---|
| Axis Bluechip Fund | Large Cap | 14.5% | 12.8% | 11.2% | ₹500 |
| Mirae Asset Emerging Bluechip | Large & Mid Cap | 18.2% | 15.6% | 13.9% | ₹1,000 |
| SBI Small Cap Fund | Small Cap | 22.4% | 18.7% | 15.3% | ₹500 |
| ICICI Prudential Value Discovery | Value | 16.8% | 14.2% | 12.5% | ₹500 |
| Parag Parikh Flexi Cap Fund | Flexi Cap | 19.5% | 16.3% | 14.7% | ₹1,000 |
*Returns as of 2023. Past performance is not indicative of future returns.
How does the SIP calculator work?
Our SIP calculator uses a simple formula to project your investment growth over time. Learn how it works and how to interpret the results.
Enter Your Details
Input your monthly investment amount, expected annual return rate, and investment period in years.
Calculate Results
Our calculator processes your inputs using compound interest formulas to project your investment growth.
View Projections
See your total investment amount, estimated returns, and final corpus value in easy-to-understand visuals.
The Formula Behind Our Calculator
SIP Calculation Formula
M × ((1 + r)n - 1) × (1 + r) ÷ r
- M = Monthly investment amount
- r = Rate of return (monthly)
- n = Investment duration in months
Example Calculation
For a monthly SIP of ₹5,000 for 10 years at 12% annual returns:
- Monthly rate (r) = 12%/12 = 1% = 0.01
- Number of months (n) = 10 × 12 = 120
- Final amount = ₹10,62,000
Factors Affecting SIP Returns
-
•
Investment Amount:
Higher monthly investments lead to larger final corpus.
-
•
Investment Duration:
Longer investment periods benefit more from compounding.
-
•
Expected Returns:
Higher return rates significantly impact final amounts.
Important Notes
- ✓ Returns are indicative and not guaranteed
- ✓ Market conditions may affect actual returns
- ✓ Consult a financial advisor for personalized advice
Ready to calculate your SIP returns?
Try Our SIP Calculator NowFrequently Asked Questions
Find answers to common questions about SIP investments and our calculator.
What is a SIP calculator?
A SIP calculator is a financial tool that helps you estimate the returns on your Systematic Investment Plan (SIP) based on the investment amount, expected rate of return, and investment duration.
How accurate is the SIP calculator?
Our SIP calculator provides a close estimate based on the inputs you provide. However, actual returns may vary due to market fluctuations, changes in interest rates, and other economic factors.
What is the minimum amount for starting a SIP?
Most mutual funds allow you to start a SIP with as little as ₹500 per month. Some funds may have higher minimum amounts, typically ranging from ₹1,000 to ₹5,000 per month.
Can I increase or decrease my SIP amount?
Yes, most mutual funds allow you to modify your SIP amount. You can increase or decrease your monthly investment based on your financial situation. Some platforms also offer step-up SIP options.
What is the ideal investment horizon for SIP?
SIPs work best when invested for the long term, ideally 5 years or more. This allows your investment to ride out market volatility and benefit from the power of compounding.
Are SIP returns taxable?
Yes, returns from equity mutual fund SIPs held for less than 1 year are taxed as short-term capital gains at 15%. For holdings beyond 1 year, long-term capital gains exceeding ₹1 lakh per year are taxed at 10%.
Can I withdraw my SIP investment anytime?
Yes, most mutual fund SIPs allow redemption at any time. However, some funds may have exit loads (typically 1-2%) if redeemed before a specified period, usually 1 year from the date of investment.
What happens if I miss a SIP payment?
If you miss a SIP payment, there's typically no penalty. The particular installment is simply skipped. However, consistent investments are key to maximizing returns through rupee-cost averaging.
Still have questions?
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