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Calculate the future value of your monthly SIP investments accurately. Use our SIP calculator to estimate returns from mutual funds and build your wealth.
Stop contributing after a few years but let the money grow.
Typical long-term average for Large Cap / Index Funds.
Calculates post-tax wealth based on a custom LTCG assumption. Exemption is optional and must match the regime you are modeling.
Calculations assume money retains its current purchasing power.
Total Investment
₹6.00 Lakh
Interest Earned
₹5.62 Lakh
Maturity Value
After 10 Years
₹11.62 Lakh
Visualizing how your principal amount and interest grow over time.
See how corpus changes with +/-2% return assumptions.
Conservative
10.0% annual return
₹10.33 Lakh
Gain: ₹4.33 Lakh
Base Case
12.0% annual return
₹11.62 Lakh
Gain: ₹5.62 Lakh
Aggressive
14.0% annual return
₹13.10 Lakh
Gain: ₹7.10 Lakh
Corpus Multiple
1.94x
Total value vs invested capital
Monthly Income (4%)
₹3,872
Strongest Growth Year
2035
Growth: ₹1.24 Lakh
2x Milestone
Not reached
When value first reaches 2x invested
Set a target corpus and see whether this plan reaches it on time.
Plan Status
Below target
Shortfall: ₹0
Target Date
Not in term
Coverage: 0.0%
Needed In Same Timeline
Current plan works
No extra contribution needed
Same Plan Timeline
On schedule
Target not reached within 100 years
A Systematic Investment Plan (SIP) is a disciplined approach to wealth creation that allows you to invest a fixed sum of money at regular intervals—usually monthly—into mutual fund schemes. Instead of trying to "time the market," which often leads to emotional stress and poor financial decisions, SIP leverages the twin powers of Rupee Cost Averaging and Compounding.
When you invest a fixed amount regularly, you automatically buy more units when the market is low and fewer units when it is high. Over time, this lowers your average cost per unit, making your portfolio resilient to volatility.
SIPs are incredibly flexible. You can start with as little as ₹500 per month and increase (Step-up) or pause your contributions as your financial situation changes.
Our advanced SIP calculator is designed to provide you with a holistic view of your financial future. Follow these steps to get the most out of it:
If you invest ₹15,000 per month for 15 years at an annual return of 15%, your corpus will grow to approximately ₹1 Crore. This is the magic of long-term compounding!
Q: What is a SIP (Systematic Investment Plan) and how does it actually work?
A Systematic Investment Plan (SIP) is a disciplined investment approach that allows you to invest a fixed sum of money at regular intervals (usually monthly) into a mutual fund scheme. Instead of trying to 'time the market,' you benefit from Rupee Cost Averaging. When prices are low, your fixed investment buys more units, and when prices are high, it buys fewer. Over the long term, this typically results in a lower average cost per unit and helps in disciplined wealth creation by leveraging the power of compounding.
Q: How does Rupee Cost Averaging benefit a long-term SIP investor?
Rupee Cost Averaging is a core advantage of SIP. In a volatile market, the NAV (Net Asset Value) of a fund fluctuates. By investing a fixed amount every month, you automatically buy more units when the NAV is low (market dip) and fewer units when the NAV is high (market peak). This eliminates the emotional stress of predicting market movements. For a long-term investor, this 'averaging' effect often leads to better returns compared to a poorly timed lumpsum investment, as it smoothens out the overall purchase price over the investment horizon.
Q: What is the difference between a Growth SIP and a Dividend (IDCW) SIP?
In a 'Growth' option, any profits made by the fund are reinvested back into the scheme, leading to an increase in the NAV over time. This is ideal for long-term wealth creation as it maximizes the power of compounding. In contrast, the 'IDCW' (Income Distribution cum Capital Withdrawal) option may distribute portions of the profit to investors as dividends. However, these dividends are not guaranteed and are now taxable in the hands of the investor, which might reduce the overall compounding effect compared to the Growth option.
Q: Can I increase or decrease my SIP amount after the investment has started?
Yes, SIPs are highly flexible. Most modern platforms allow you to 'Top-Up' or 'Step-Up' your existing SIP annually or at specific intervals. If you face a financial crunch, you can also 'Pause' your SIP for a few months or reduce the amount (subject to the fund's minimum requirement). This flexibility ensures that your investment plan can adapt to changes in your income levels or financial requirements without needing to close the entire folio.
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