SIP Calculator
Calculate returns on your Systematic Investment Plan (SIP) mutual fund investments
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds, helping you build wealth through disciplined investing and rupee-cost averaging. This calculator helps you estimate the future value of your SIP investments based on your monthly contribution, expected return rate, and investment duration.
SIP Investment Results
Invested Amount
Estimated Returns
Total Value
Future value of your investment at maturity
| Monthly Investment | ₹ 0 |
|---|---|
| Expected Return Rate | 0% |
| Time Period | 0 Years |
| Frequency | Monthly |
| Annual Step-up | 0% |
| Wealth Gain Ratio | 0x |
| Inflation-adjusted Value | ₹ 0 |
Investment Breakdown
Year-by-Year Growth
| Year | Investment | Interest | Value |
|---|
SIP Investment Guide & Tutorial
Understanding SIP Investments
Systematic Investment Plan (SIP) is a disciplined approach to investing where you invest a fixed amount regularly in mutual funds. It helps in building wealth through the power of compounding and rupee-cost averaging.
Key Benefits
- Disciplined investing
- Rupee-cost averaging
- Power of compounding
- Lower investment amount
Important Considerations
- Investment horizon
- Risk tolerance
- Fund selection
- Market volatility
Key SIP Features
| Feature | Description | Benefit |
|---|---|---|
| Regular Investment | Fixed amount at fixed intervals | Builds discipline in investing |
| Rupee Cost Averaging | Buy more units when prices are low | Reduces average cost per unit |
| Compounding | Returns on returns | Accelerates wealth creation |
| Flexibility | Start, stop, or modify anytime | Adapts to financial changes |
SIP Investment Categories
Equity Funds
- Large Cap Funds:
- Stable, established companies
- Lower risk, moderate returns
- Good for conservative investors
- Mid & Small Cap Funds:
- Growth-oriented companies
- Higher risk, higher potential returns
- Suitable for aggressive investors
Hybrid & Debt Funds
- Balanced Funds:
- Mix of equity and debt
- Moderate risk and returns
- Good for balanced approach
- Debt Funds:
- Fixed income securities
- Lower risk, stable returns
- Ideal for conservative goals
How to Use the Calculator
Enter Investment Amount
Specify your monthly SIP investment amount (minimum ₹500).
Set Investment Parameters
Choose expected return rate, investment period, and step-up percentage.
Select Investment Frequency
Choose monthly, quarterly, half-yearly, or yearly investment frequency.
Review Results
Analyze total investment, returns, and year-wise growth breakdown.
Frequently Asked Questions
SIP works through:
- Regular Investment:
- Automated fixed investments
- Disciplined approach
- Long-term wealth creation
- Market Benefits:
- Rupee cost averaging
- Power of compounding
- Professional management
Step-up SIP features:
- Annual Increase:
- Increase investment amount yearly
- Match with income growth
- Accelerate wealth creation
- Benefits:
- Higher corpus building
- Inflation adjustment
- Better goal achievement
Fund selection criteria:
- Investment Goals:
- Define financial objectives
- Set investment horizon
- Assess risk tolerance
- Fund Analysis:
- Track record and performance
- Fund manager expertise
- Expense ratio and charges
Tax considerations:
- Equity Funds:
- LTCG: 10% above ₹1 lakh (>1 year)
- STCG: 15% (<1 year)
- ELSS: 80C tax benefit
- Debt Funds:
- LTCG: 20% with indexation (>3 years)
- STCG: As per tax slab (<3 years)
- TDS implications
Optimization strategies:
- Investment Strategy:
- Start early for compounding
- Maintain investment discipline
- Use step-up facility
- Portfolio Management:
- Diversify across categories
- Regular portfolio review
- Rebalance when needed