SIP Calculator
Calculate the future value of your monthly SIP investments in mutual funds.
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How much you invest every month
Common questions
What is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month — like an auto-debit for wealth creation. You buy more units when prices are low and fewer when prices are high, averaging your cost over time (called rupee cost averaging).
How is SIP different from a lump sum?
SIP spreads your investment over time, reducing the risk of investing everything at a market peak. Lump sum can outperform if invested at a market bottom. For most investors without market timing ability, SIP is safer and more disciplined.
What return rate should I use for Indian equity mutual funds?
Historical 15-year CAGR for diversified equity funds in India: 10–14%. Use 10–12% for conservative planning. Past performance doesn't guarantee future returns, but Indian equity has had few 15-year periods with negative returns.
Can I stop or change my SIP?
Yes. SIPs are flexible — you can pause, stop, increase (step-up SIP), or decrease the amount with most AMCs. There's no penalty for stopping, though staying invested for long periods is where the real compounding happens.
What is a step-up SIP?
A step-up SIP automatically increases your monthly investment by a percentage each year (e.g., 10% annually). If your income grows, step-up ensures your investment grows proportionally. A ₹5,000 SIP with 10% annual step-up becomes roughly ₹13,000/month by year 10.