SIP Calculator

Estimate your future wealth and see the magic of compounding on your monthly investments.

Monthly Investment Amount

₹

Expected Return Rate (p.a)

Time Period (Years)

Years

Investment Summary

Invested Amount₹6,00,000

Est. Returns+₹5,61,695

Total Value

₹11,61,695

The Magic of Compounding

Albert Einstein reportedly called compound interest the "eighth wonder of the world". When you invest in a SIP, you don't just earn returns on your initial principal amount; you also earn returns on the returns generated over time.

By starting early, even a small monthly investment can grow into a massive corpus over 15 to 20 years. Use this SIP Calculator to experiment with different monthly amounts and time horizons to plan your financial freedom, retirement, or major life goals.

Frequently Asked Questions

What is a SIP?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (e.g., monthly) in mutual funds. It helps average out market volatility and builds wealth through the power of compounding.

How does the SIP calculator work?

This SIP calculator uses the compound interest formula to estimate the future value of your monthly investments based on a projected annual return rate over your chosen time period.

What is a realistic expected return for SIPs?

Historically, equity mutual funds in growing economies (like India) have delivered around 10-14% long-term annual returns. However, market returns are not guaranteed and can fluctuate.

Is SIP better than Lumpsum investment?

SIP is generally better for salaried individuals or beginners because it does not require timing the market. It uses Rupee Cost Averaging to buy more units when markets are low and fewer when markets are high.

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