SIP Calculator
Estimate how much wealth you can build through monthly SIP investments using the power of compounding.
Investment Details
Adjust the values below to estimate your future SIP returns.
Quick Amount
Invested
₹12,00,000
Returns
₹37,95,740
Wealth
₹49,95,740
Wealth Distribution
Investment Growth
Year-wise Growth
| Year | Invested | Wealth |
|---|---|---|
| 1 | ₹60,000 | ₹67,200 |
| 5 | ₹120,000 | ₹211,481 |
| 10 | ₹180,000 | ₹559,053 |
| 15 | ₹240,000 | ₹1,313,656 |
| 20 | ₹300,000 | ₹2,893,888 |
💹 Power of Compounding
Even small monthly SIPs can grow significantly over time because your returns begin earning returns.
📈 Invest Consistently
Investing every month helps reduce market timing risk through rupee cost averaging.
🚀 Start Early
The earlier you start investing, the longer compounding has to work for you.
Frequently Asked Questions
SIP stands for Systematic Investment Plan. It allows you to invest a fixed amount every month into mutual funds.
SIP invests in market-linked mutual funds. It reduces timing risk through regular investing, but returns are not guaranteed.
Yes. SIPs are flexible and can usually be stopped, paused, or modified through your investment platform.
Many long-term equity mutual fund examples use around 10–12% for illustration, but actual returns vary.
How is SIP calculated?
Future Value =
Where
- P = Monthly Investment
- r = Monthly Interest Rate
- n = Total Months
Why Invest Through SIP?
SIP investing isn't just convenient—it helps build wealth through consistency and the power of compounding.
Power of Compounding
Your returns generate additional returns over time, helping your investments grow exponentially.
Affordable Investing
Start investing with small monthly amounts instead of waiting to accumulate a large lump sum.
Disciplined Habit
Automatic monthly investments help build long-term financial discipline.
Rupee Cost Averaging
Regular investments buy more units when prices are low and fewer when prices are high.
Example
Imagine you invest ₹5,000 every month for 20 years at an expected annual return of 12%.
Total Investment
₹12,00,000
Estimated Returns
₹37,95,000+
Total Wealth
₹49,95,000+
SIP vs Fixed Deposit
| Feature | SIP | Fixed Deposit |
|---|---|---|
| Returns | Market Linked | Fixed |
| Risk | Medium | Low |
| Liquidity | High | Medium |
| Best For | Long-term Wealth | Capital Protection |
New to SIP Investing?
Learn what SIP is, how it works, mistakes beginners make and how to start investing with as little as ₹500/month.
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