SIP Calculator - Systematic Investment Plan

Plan your SIP and see results in a compact view.

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What is SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount at regular intervals (usually monthly). SIP is one of the most popular and disciplined ways to build wealth over time.

Benefits of SIP

  • Rupee Cost Averaging: By investing regularly, you buy more units when prices are low and fewer when prices are high, averaging out your purchase cost.
  • Power of Compounding: Your returns generate further returns, leading to exponential wealth growth over time.
  • Disciplined Investing: Automated monthly investments ensure consistent saving and investment habits.
  • Flexibility: Start with small amounts and increase investments as your income grows.
  • No Market Timing: You don't need to time the market - regular investments work in all market conditions.

How is SIP Return Calculated?

The SIP return is calculated using the future value of an annuity formula, which compounds your regular investments over time:

M = P × ({[1 + i]^n – 1} / i) × (1 + i)

  • M = Maturity amount (final value)
  • P = Monthly investment amount
  • i = Expected monthly return rate (annual rate / 12)
  • n = Total number of months

Step-Up SIP

A step-up SIP allows you to increase your investment amount periodically (usually annually). This helps you invest more as your income grows, accelerating your wealth creation significantly.

Example

If you invest ₹5,000 per month for 10 years at an expected annual return of 12%:

  • Total Investment: ₹6,00,000
  • Expected Returns: ₹5,49,567
  • Maturity Value: ₹11,49,567

Your investment nearly doubles through the power of compounding!

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