SIP Calculator
Calculate potential returns on your Systematic Investment Plan (SIP) with our advanced mutual fund calculator. Plan your financial future with accurate projections.
Calculate Your SIP Returns
Enter your investment details to get accurate return projections
Investment Summary
Enter your investment details
to see projected returns
Why Use SIP for Investment?
Rupee Cost Averaging
Buy more units when prices are low and fewer units when prices are high, averaging your purchase cost.
Financial Discipline
Regular monthly investments help build wealth systematically and develop financial discipline.
Power of Compounding
Earn returns on your returns over the long term, accelerating wealth creation exponentially.
Risk Mitigation
Reduces impact of market volatility and timing risks through systematic investment approach.
Frequently Asked Questions
What is a SIP Calculator?
A SIP calculator is an online tool that helps investors estimate potential returns from their Systematic Investment Plan investments in mutual funds. It uses compound interest formula to project future value based on monthly investment amount, expected returns, and investment duration.
How does SIP calculation work?
SIP calculation uses the future value of annuity formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r), where P is monthly investment, r is monthly return rate, and n is total number of months. This accounts for compounding effect on regular investments.
What is a good SIP return rate?
For equity mutual funds, historical returns typically range between 10-15% annually. Debt funds may offer 6-8%, while hybrid funds fall in between. Actual returns depend on market conditions and fund performance.
Is SIP better than lump sum investment?
SIP is generally better for most investors as it reduces market timing risk through rupee cost averaging. Lump sum can yield higher returns in rising markets but carries higher risk if markets decline after investment.
Can I change my SIP amount later?
Yes, most mutual funds allow you to increase, decrease, or stop your SIP anytime. Some funds may have minimum lock-in periods or require advance notice for changes.