SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP) investments. Plan your mutual fund investments with regular monthly contributions.
Plan Your Financial Future with Systematic Investment Plans
Our advanced SIP calculator helps you understand the power of compound interest, plan your investment journey, and achieve your financial goals through disciplined monthly investments in mutual funds.
Investment Details
Investment Growth Over Time
Year-wise Breakdown
Growth Comparison Table - ₹1,000/month
See how your monthly investment of ₹1,000 grows over different time periods and return rates
| Return Rate | 5 Years | 10 Years | 15 Years | 20 Years | 25 Years | 30 Years |
|---|---|---|---|---|---|---|
| 8% | ₹74.0K ₹73,967 Invest: ₹60.0K Returns: ₹14.0K | ₹1.8L ₹1,84,166 Invest: ₹1.2L Returns: ₹64.2K | ₹3.5L ₹3,48,345 Invest: ₹1.8L Returns: ₹1.7L | ₹5.9L ₹5,92,947 Invest: ₹2.4L Returns: ₹3.5L | ₹9.6L ₹9,57,367 Invest: ₹3.0L Returns: ₹6.6L | ₹15.0L ₹15,00,295 Invest: ₹3.6L Returns: ₹11.4L |
| 10% | ₹78.1K ₹78,082 Invest: ₹60.0K Returns: ₹18.1K | ₹2.1L ₹2,06,552 Invest: ₹1.2L Returns: ₹86.6K | ₹4.2L ₹4,17,924 Invest: ₹1.8L Returns: ₹2.4L | ₹7.7L ₹7,65,697 Invest: ₹2.4L Returns: ₹5.3L | ₹13.4L ₹13,37,890 Invest: ₹3.0L Returns: ₹10.4L | ₹22.8L ₹22,79,325 Invest: ₹3.6L Returns: ₹19.2L |
| 12% | ₹82.5K ₹82,486 Invest: ₹60.0K Returns: ₹22.5K | ₹2.3L ₹2,32,339 Invest: ₹1.2L Returns: ₹1.1L | ₹5.0L ₹5,04,576 Invest: ₹1.8L Returns: ₹3.2L | ₹10.0L ₹9,99,148 Invest: ₹2.4L Returns: ₹7.6L | ₹19.0L ₹18,97,635 Invest: ₹3.0L Returns: ₹16.0L | ₹35.3L ₹35,29,914 Invest: ₹3.6L Returns: ₹31.7L |
| 15% | ₹89.7K ₹89,682 Invest: ₹60.0K Returns: ₹29.7K | ₹2.8L ₹2,78,657 Invest: ₹1.2L Returns: ₹1.6L | ₹6.8L ₹6,76,863 Invest: ₹1.8L Returns: ₹5.0L | ₹15.2L ₹15,15,955 Invest: ₹2.4L Returns: ₹12.8L | ₹32.8L ₹32,84,074 Invest: ₹3.0L Returns: ₹29.8L | ₹70.1L ₹70,09,821 Invest: ₹3.6L Returns: ₹66.5L |
| 18% | ₹97.7K ₹97,658 Invest: ₹60.0K Returns: ₹37.7K | ₹3.4L ₹3,36,258 Invest: ₹1.2L Returns: ₹2.2L | ₹9.2L ₹9,19,209 Invest: ₹1.8L Returns: ₹7.4L | ₹23.4L ₹23,43,487 Invest: ₹2.4L Returns: ₹21.0L | ₹58.2L ₹58,23,312 Invest: ₹3.0L Returns: ₹55.2L | ₹1.4Cr ₹1,43,25,289 Invest: ₹3.6L Returns: ₹1.4Cr |
Note: This table shows the maturity amount for a monthly SIP of ₹1,000. The actual returns may vary based on market conditions and fund performance. Past performance does not guarantee future results.
What is SIP (Systematic Investment Plan)?
Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds where you invest a fixed amount regularly (usually monthly) instead of investing a lump sum amount. This investment strategy helps you build wealth over time through 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 prices are high
- Discipline: Instills financial discipline through regular investing
- Affordability: Start with as little as ₹500 per month
- Compounding: Your money grows exponentially over time
- Flexibility: Increase, decrease, or pause investments anytime
SIP vs Lump Sum Investment
SIP Investment
Regular small investments reduce market timing risk and provide better risk-adjusted returns over the long term.
Lump Sum Investment
Single large investment that can be risky if invested at market peaks but may provide higher returns in bull markets.
Real SIP Examples & Calculations
Example 1: ₹5,000 Monthly SIP
Example 2: ₹10,000 Monthly SIP
💡 Pro Tips for SIP Success
Start Early
The earlier you start, the more time your money has to compound. Even a 5-year head start can make a huge difference.
Stay Consistent
Don't stop your SIP during market downturns. This is when you get more units for the same amount.
Increase Amount Regularly
Increase your SIP amount by 10-15% every year to keep pace with inflation and growing income.
Choose Right Funds
Select funds based on your risk appetite, investment horizon, and financial goals.
Important Considerations for SIP Investments
Risk Factors in SIP Investments
Market Volatility Risk
SIP investments are subject to market fluctuations. While rupee cost averaging helps reduce timing risk, market downturns can still affect your portfolio value. Historical data shows that long-term SIPs (10+ years) have generally provided positive returns despite market cycles.
Fund Performance Risk
Past performance doesn't guarantee future results. Fund performance can vary significantly based on market conditions, fund management, and economic factors. It's crucial to review fund performance periodically and consider switching if necessary.
Inflation Risk
Inflation can erode the real value of your returns over time. If your SIP returns are lower than the inflation rate, you may lose purchasing power. Consider increasing your SIP amount annually to combat inflation.
Liquidity Risk
While mutual funds offer good liquidity, there might be exit loads and processing time for withdrawals. Emergency funds should be kept separate from SIP investments.
Tax Implications of SIP Investments
Equity Mutual Funds
Short-term gains (≤1 year): 15% tax on gains
Long-term gains (>1 year): 10% tax on gains above ₹1 lakh
Dividend: Taxed at 10% in the hands of investors
Debt Mutual Funds
Short-term gains (≤3 years): Taxed as per income slab
Long-term gains (>3 years): 20% with indexation benefit
Interest income: Taxed as per income slab
ELSS (Equity Linked Savings Scheme)
Tax deduction: Up to ₹1.5 lakh under Section 80C
Lock-in period: 3 years
Taxation: Same as equity funds after lock-in
Tax Planning Strategies
• Use ELSS for tax-saving goals
• Consider systematic withdrawal plans for tax efficiency
• Plan redemptions to optimize tax liability
• Keep track of holding periods for tax calculations
💡 Tax-Saving Tips
- • Invest in ELSS for tax deductions under Section 80C
- • Consider long-term investments to benefit from lower tax rates
- • Use systematic withdrawal plans to manage tax liability
- • Keep proper records of all transactions for tax filing
- • Consult a tax advisor for complex tax planning strategies
Key Insights for SIP Investment Success
Power of Compounding
Your returns grow exponentially over time due to compound interest. The longer you stay invested, the more significant the compounding effect becomes.
Wealth Multiplier
Your money grows through systematic investments over time. Regular investments create a snowball effect that accelerates wealth creation.
Inflation Consideration
Consider inflation rate while planning your investment goals. Your returns should ideally outpace inflation to maintain purchasing power.
Tax Efficiency
Returns from equity mutual funds are tax-free after 1 year. Plan your investments to optimize tax benefits and minimize tax liability.