SIP Calculator
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Invested Amount: ₹
Estimated Returns: ₹
Maturity Value: ₹
The total value of your investment after will be:
What is SIP (Systematic Investment Plan)?
SIP, or Systematic Investment Plan, is a simple and smart way to invest money in mutual funds. Instead of paying a big amount at once, you can invest a fixed amount every month. Over time, this helps you build wealth slowly and safely. It is like saving a little every month, but with higher growth compared to a normal savings account.
How Does SIP Work?
When you invest through SIP, a fixed amount (for example, ₹1,000 or ₹5,000) is deducted from your bank account each month and invested in a mutual fund of your choice. This amount is used to buy units of the fund. If the market is down, you get more units. If the market is up, you get fewer units. Over time, this balances out and reduces risk — a concept known as rupee cost averaging.
Why Should You Choose SIP?
- Easy to Start: You can begin investing with as little as ₹500 per month.
- Builds Financial Discipline: Regular monthly investments make saving a habit.
- Power of Compounding: Small investments grow into big wealth over time.
- Affordable and Flexible: You can increase or stop your SIP anytime as per your need.
- Helps Achieve Goals: Perfect for planning retirement, child’s education, or buying a house.
Benefits of Using a SIP Calculator
Our SIP Calculator helps you understand how much wealth you can create in the future. By entering the monthly amount, expected returns, and investment period, you can easily check your maturity value and plan your financial goals better. This removes guesswork and helps you stay on track.
Example of SIP Growth
Suppose you invest ₹5,000 every month for 15 years with an average return of 12% per year. Your total invested amount will be ₹9 lakh. But due to compounding, your money can grow to more than ₹25 lakh. This shows the real power of SIP and why starting early is important.
Frequently Asked Questions (FAQ)
1. Is SIP safe?
SIPs are not completely risk-free as they invest in mutual funds, which depend on the stock market. But since you invest regularly and for the long term, the risks are balanced out and chances of good returns increase.
2. What happens if I miss a SIP payment?
Missing one SIP payment will not cancel your plan. Your next SIP will continue as usual. However, try not to miss often so you get the maximum benefit of compounding.
3. Can I stop my SIP anytime?
Yes, SIPs are flexible. You can stop, pause, or increase the amount anytime as per your financial situation.
4. What is the best time to start SIP?
The best time to start a SIP is today. The earlier you start, the more time your money gets to grow.
Start Your SIP Journey Today
SIP is one of the easiest and smartest ways to build wealth over time. Use our SIP Calculator above to plan your monthly investments and see how much your money can grow in the coming years. Start early, stay invested, and let compounding work for you.