SIP Calculator
Calculate how your monthly investments can grow over time. Use the
Step-Up Feature
to see the impact of increasing your investment annually.
(Note: Mutual Fund investments are subject to market risks.)
⚠️ Returns are assumed, not guaranteed.
Increase investment yearly as salary grows.
Estimated Value
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Investment vs Profit
Investor Education 🎓
Mutual Funds Sahi Hai! Learn the basics from the official industry body.
Visit AMFI Website🌱 What is SIP? (Simply Explained)
SIP (Systematic Investment Plan) is a disciplined way of investing in Mutual Funds. Instead of timing the market, you invest a fixed amount regularly (monthly or quarterly). It works on the principle of Rupee Cost Averaging —you buy more units when the market is low and fewer when it is high, lowering your average cost.
🚀 The Magic of Compounding
Compounding generates earnings on your previous earnings. The longer you stay invested, the more your money grows.
Scenario A (10 Years)
Invest ₹5,000/month @ 12%
Value: ₹11.6 Lakhs
Scenario B (20 Years)
Invest ₹5,000/month @ 12%
Value: ₹49.9 Lakhs
Double Time = 4x Wealth!
*Based on assumed constant annual returns.
❓ Frequently Asked Questions
Why do real SIP returns differ from the calculator? ▼
This calculator assumes a constant annual return (CAGR). Real market returns fluctuate yearly (volatility). In some years, returns might be negative, while in others, they might be very high. The calculator shows an 'average' expectation over the long term.
What is Step-Up SIP? ▼
Step-Up SIP means increasing your monthly investment amount by a fixed percentage (e.g., 10%) every year as your salary grows. This helps you reach your financial goals much faster than a fixed SIP.
Why does SIP value fluctuate? ▼
Mutual funds invest in stocks and bonds, which change in price daily. Short-term fluctuations are normal. SIPs work best when you stay invested for 5-10+ years to average out these ups and downs.