Calculate maturity value of monthly SIP investments with bar and pie charts. Free, accurate.
A SIP (Systematic Investment Plan) calculator shows you how much wealth you can build by investing a fixed amount every month in a mutual fund. SIP is one of the most popular investment methods in India because it allows you to invest small amounts regularly rather than needing a large lump sum.
The power of SIP comes from rupee cost averaging and compounding. Rupee cost averaging means you automatically buy more units when markets are low and fewer when markets are high — reducing your average cost over time. Compounding means your returns also earn returns, creating exponential wealth growth over long periods.
Whether you are saving for retirement, your child's education, a home purchase, or any long-term goal — the SIP calculator shows you exactly how your monthly investment grows over time and what corpus you can expect at the end of your investment period.
M = P \times \frac{(1+i)^n - 1}{i} \times (1+i)
Inputs: Monthly SIP: ₹5,000 · Expected annual return: 12% · Duration: 10 years
A common rule is to invest at least 20% of your monthly income in SIP. If you earn ₹50,000 per month, starting with ₹10,000/month in SIP is a good target. Even ₹500/month is a valid starting point — the key is to start early and increase your SIP amount every year as your income grows (called SIP step-up).
Indian equity mutual funds have historically delivered 12–15% CAGR over long periods of 10+ years. However returns are not guaranteed and vary significantly year to year. Debt funds typically return 6–8%. A balanced or hybrid fund may return 9–11%. Always use a conservative estimate of 10–12% for long-term planning and remember that past performance does not guarantee future returns.
Most mutual funds in India allow SIP starting from ₹500 per month. Some funds like those on Groww, Zerodha Coin, and Paytm Money have lowered the minimum to ₹100 per month. There is no maximum limit on SIP investment.
Yes — SIP is completely flexible. You can pause, stop, increase, or decrease your SIP amount at any time without any penalty. Simply log into your mutual fund app or AMC portal and modify your SIP instruction. However stopping SIP early significantly reduces the compounding benefit, so it is advisable to continue through market downturns.
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