SIP Calculator
Calculate your Systematic Investment Plan returns
What is SIP?
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in mutual funds. It helps in rupee cost averaging and building wealth over time through the power of compounding.
Investment Details
Increase your SIP amount annually to match salary growth
Investment Summary
Total Investment
₹12.00 L
Expected Returns
₹11.23 L
Total Value
₹23.23 L
Investment vs Returns
Year-wise Breakdown
| Year | Monthly | Invested | Value |
|---|---|---|---|
| 1 | ₹10,000 | ₹1.20 L | ₹1.28 L |
| 2 | ₹10,000 | ₹2.40 L | ₹2.72 L |
| 3 | ₹10,000 | ₹3.60 L | ₹4.35 L |
| 4 | ₹10,000 | ₹4.80 L | ₹6.18 L |
| 5 | ₹10,000 | ₹6.00 L | ₹8.25 L |
| 6 | ₹10,000 | ₹7.20 L | ₹10.58 L |
| 7 | ₹10,000 | ₹8.40 L | ₹13.20 L |
| 8 | ₹10,000 | ₹9.60 L | ₹16.15 L |
| 9 | ₹10,000 | ₹10.80 L | ₹19.48 L |
| 10 | ₹10,000 | ₹12.00 L | ₹23.23 L |
Frequently Asked Questions
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It helps you invest in a disciplined manner and benefit from rupee cost averaging, where you buy more units when prices are low and fewer when prices are high.
Step-up SIP allows you to increase your SIP amount annually by a fixed percentage. For example, if you start with Rs 10,000 and set a 10% step-up, your SIP becomes Rs 11,000 next year. This helps your investments grow with your income.
SIP returns depend on market conditions and the type of fund. Historically, equity mutual funds have given 10-15% annual returns over long periods. Debt funds typically give 6-8%. Past performance doesn't guarantee future returns.
SIP is better for regular investors as it reduces market timing risk through rupee cost averaging. Lumpsum can be better if you have a large amount and markets are at low levels. For most people, SIP is the preferred choice.
Most mutual funds allow SIP starting from Rs 500 per month. Some funds have minimum SIP of Rs 100. You can start small and increase your SIP amount as your income grows.