SIP Calculator
Estimate the future value of your Systematic Investment Plan.
Monthly Investment
₹
Expected Return Rate (% p.a.)
%
Time Period (Years)
Yr
Total Value
₹ 11,61,695
Invested Amount
₹ 6,00,000
Est. Returns
₹ 5,61,695
What is a SIP?
A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds. It allows you to invest a fixed amount regularly (e.g., monthly) instead of making a lump-sum investment.
Power of Compounding
SIPs benefit from the power of compounding. The returns you earn on your investment generate further returns over time, accelerating the growth of your wealth.
Example
Investing ₹10,000/month for 20 years at an assumed 12% annual return grows to roughly ₹99 lakh, of which only ₹24 lakh is your own invested amount — the rest is compounded growth.
Common Use Cases
- Planning how much to invest monthly to reach a specific financial goal.
- Comparing the long-term impact of different SIP amounts or durations.
FAQs
Is the return rate guaranteed?
No — mutual fund SIP returns are market-linked and not guaranteed. The 10-12% figures used here are illustrative long-term averages for equity funds, not a promised return.