📖 Official User Guide
SIP Calculator — See Exactly How Much Your Monthly SIP Will Grow — Step-by-Step Guide
Master the art of Systematic Investment Planning (SIP) and discover how compounding can grow your wealth over time.
What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you contribute a fixed amount of money at regular intervals (usually monthly). It is one of the most effective ways to build wealth in the long term due to the power of compounding and rupee-cost averaging.
Key Benefits of SIP
- Rupee Cost Averaging: Buy more units when prices are low and fewer when high.
- Disciplined Saving: Automate your investments every month.
- Power of Compounding: Your returns earn more returns over time.
- Flexibility: Start with as little as ₹500/month.
How to Use the SIP Calculatorulator
- Choose Investment Type: Select "SIP" for monthly, "Lumpsum" for one-time, or "FD" for bank deposits.
- Set Monthly Amount: Adjust the slider to match your budget.
- Select Expected Return: Equity mutual funds in India typically average 12-15% over long periods.
- Choose Duration: See how staying invested for longer periods significantly boosts your final corpus.
- Analyze Visuals: Check the donut chart to see the ratio of invested capital vs. wealth gained.
Frequently Asked Questions
What is a good SIP return rate?
Historically, equity mutual funds in India have given 12–15% CAGR over long periods (10+ years). For debt funds, a more conservative 6–8% is expected.
SIP vs FD — which is better?
SIPs in equity funds offer higher potential returns (10-14%) but carry market risk. FDs provide guaranteed returns (6-7.5%) with zero risk. Most financial planners recommend a mix of both.
Can I stop a SIP anytime?
Yes, SIPs are flexible. You can pause, stop, or increase your investment amount at any time without penalties in most cases.