SIP Calculator
Calculate your mutual fund SIP returns, total investment and wealth gained. See how your money grows over time.
Total Value at Maturity
₹11,61,695
After 10 years at 12% returns
How It Works
1
Enter monthly SIP amount
Type how much you want to invest every month.
2
Set expected returns
Enter annual expected return rate. Equity mutual funds typically give 10-15%.
3
Choose investment period
Select how many years you plan to invest.
4
See wealth created
Total investment, returns and maturity value shows with a visual chart.
📈 SIP Tip: Starting a SIP of just ₹5,000/month at age 25 can create over ₹3 crore by retirement at 60 (assuming 12% returns). Start early, the power of compounding is magical!
Frequently Asked Questions
❓ What is SIP?
SIP stands for Systematic Investment Plan. It means investing a fixed amount every month in a mutual fund. It is the most popular way to invest in India.
❓ What returns can I expect from SIP?
Equity mutual funds historically give 10-15% annual returns over long periods. Debt funds give 6-8%. Use 10-12% as a conservative estimate for equity SIPs.
❓ What is the minimum SIP amount?
Most mutual funds allow SIPs starting from just ₹100 per month. Popular apps like Groww, Zerodha and Paytm Money allow small SIP amounts.
❓ Is SIP safe?
SIP in mutual funds carries market risk. However investing regularly over long periods (5+ years) reduces risk through rupee cost averaging. Returns are not guaranteed.
❓ Can I stop SIP anytime?
Yes, you can pause or stop your SIP anytime without any penalty. This is one of the biggest advantages of SIP over FD or other fixed investments.