How This Works
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund instead of investing a lump sum all at once. This calculator projects how a monthly SIP grows over time by compounding your returns month over month, assuming the rate of return you expect from the fund.
Enter your monthly investment amount, expected annual return, and investment period to see your total invested amount, the estimated gains, and the final corpus you could build. SIP is popular in India because it enforces disciplined investing and averages out market volatility (rupee-cost averaging) rather than timing a single large entry.
Frequently Asked Questions
What is a SIP?
A SIP (Systematic Investment Plan) is a method of investing a fixed sum in a mutual fund scheme at regular intervals — usually monthly — instead of investing the entire amount at once.
How is SIP return calculated?
Each monthly instalment grows at the assumed annual rate, compounded monthly, from the date it is invested until the end of the tenure. Later instalments have less time to grow than earlier ones, which is why the final value depends on both the return rate and the duration.
Is the SIP return in this calculator guaranteed?
No. Mutual fund returns are market-linked and not guaranteed. This calculator uses the expected rate of return you enter to project a possible outcome — actual returns will vary with market performance.
What is a good SIP amount to start with?
There is no universal number — it depends on your income, expenses, and goals. A common starting approach is to commit whatever you can invest consistently every month without straining your monthly budget, and increase it over time (see the Step-up SIP calculator).
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