SIP Calculator
Estimate how much your monthly SIP investment will grow over time.
Total Invested
₹18,00,000
Wealth Gained
₹32,48,488
Total Value
₹50,48,488
Growth Over Time
Investment Tips
- ✓ Start early - even ₹1,000/month grows significantly over 20+ years
- ✓ Increase SIP by 10% annually for much faster wealth creation
- ✓ Don't stop SIP during market dips - you buy more units at lower prices
- ✓ Equity funds typically return 12-15% over 10+ year periods
Year-wise Growth
| Year | Invested | Returns | Total Value |
|---|
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, you invest a fixed amount every month, which helps average out market volatility through rupee cost averaging.
SIP Return Formula
FV = P x [((1+r)n - 1) / r] x (1+r)
Where P = Monthly SIP amount, r = Monthly rate of return (annual rate / 12 / 100), n = Total number of months.
FAQs
Is SIP better than FD?
Over long periods (10+ years), equity SIPs have historically given higher returns (12-15%) compared to FDs (6-7%). However, SIP returns are market-linked and not guaranteed, while FD returns are fixed.
Can I stop my SIP anytime?
Yes, SIPs can be stopped anytime without any penalty. There is no lock-in period for regular mutual fund SIPs (except ELSS which has a 3-year lock-in).