SIP India Calculator
Calculate your mutual fund SIP returns and plan systematic investments for wealth creation
Calculate Your SIP
Minimum amount is ₹500 per month
Time period for your SIP investment
Expected annual return from mutual funds
Annual increase in SIP amount (e.g., 10% for salary hikes)
SIP Results
Example SIP Calculation
Retirement Planning Example
Monthly SIP: ₹2,000
Investment Period: 20 years
Expected Return: 12% per annum
Fund Type: Equity Mutual Fund
Results
Total Investment: ₹4,80,000
Maturity Amount: ₹19,98,296
Total Gains: ₹15,18,296
Wealth Multiplier: 4.2x
SIP Benefits
Power of Compounding
Small regular investments grow exponentially
Rupee Cost Averaging
Reduces impact of market volatility
Financial Discipline
Builds regular investment habit
Tax Benefits
LTCG up to ₹1 lakh is tax-free
LTCG above ₹1 lakh taxed at 10%
ELSS funds offer 80C deduction
Better than FD taxation
Understanding SIP (Systematic Investment Plan)
What is SIP?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly at periodic intervals. It's a disciplined approach to wealth creation that harnesses the power of compounding and rupee cost averaging.
SIP Formula
M = P × [((1+r)^n - 1) / r] × (1+r)
- M: Maturity amount
- P: Monthly investment amount
- r: Monthly rate of return (annual rate / 12)
- n: Total number of payments
SIP vs Lumpsum
| Feature | SIP | Lumpsum |
|---|---|---|
| Investment | Regular | One-time |
| Market Risk | Averaged | Higher |
| Discipline | Built-in | Requires |
| Min Amount | ₹500 | ₹1,000 |
Popular SIP Options
Large Cap Funds
Lower risk, stable returns (8-12%)
Mid Cap Funds
Moderate risk, good returns (10-15%)
Small Cap Funds
Higher risk, high returns (12-18%)