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.
What is 2000 per month SIP for 5 years? ▼
Investing ₹2,000 per month for 5 years means you invest a total of ₹1,20,000. Assuming a conservative 12% annual return, your investment could grow to approximately ₹1.64 Lakhs. It's a great starting point for beginners to build a wealth-creation habit.
What is SIP 5000 for 10 years? ▼
A ₹5,000 monthly SIP for 10 years totals ₹6,00,000 in capital invested. At an expected 12% annual return, the future value would be around ₹11.6 Lakhs. This clearly shows the power of compounding over a decade.
Is 1 lakh SIP good? ▼
Yes, a ₹1 Lakh per month SIP is excellent for aggressive wealth creation, usually suitable for high-income earners. Over 10 to 15 years, this can build a massive retirement corpus or fund major life goals (like buying a premium house) without relying heavily on bank loans.
Double Your Money in 25 Days? It's a Scam!
This calculator proves that real wealth takes time and discipline. Scammers use Telegram/WhatsApp groups to promise 200% returns in a week and steal your money through fake trading apps. Learn how to spot these investment frauds.