SIP Calculator
Calculate the future value of your systematic investment plan based on regular investments, time period, and expected returns.
SIP Investment Results
Investment Breakdown:
Projected Value Over Time:
About
Our SIP Calculator helps you estimate the future value of regular investments in mutual funds or other instruments through systematic investment plans.
Why Choose
Accurate projections, multiple compounding options, detailed investment breakdown, and long-term growth visualization for better financial planning.
Features
Calculate future value, total investment, interest earned, and compare growth at different time periods with various compounding frequencies.
Benefits
Plan your investments effectively, understand the power of compounding, set realistic financial goals, and make informed investment decisions.
Enter Investment Details
Input your monthly investment amount, investment period in years, and expected annual return rate.
Select Compounding
Choose how often your returns are compounded - monthly, quarterly, half-yearly, or yearly.
View Results
See your projected investment growth with detailed breakdown and long-term projections.
Frequently Asked Questions - SIP Calculator
SIP (Systematic Investment Plan) is an investment method where you invest a fixed amount regularly (usually monthly) in mutual funds or other instruments. It works on the principle of rupee cost averaging, helping you buy more units when prices are low and fewer when prices are high, potentially reducing average cost over time.
Compounding means earning returns on your returns. The more frequent the compounding (monthly vs yearly), the greater your final amount due to the exponential growth effect. Even small differences in compounding frequency can lead to significant differences over long periods.
Return rates vary by asset class: 6-8% for debt funds, 10-12% for balanced funds, 12-15% for equity funds historically (but past performance doesn't guarantee future returns). Consider inflation and your risk tolerance when setting expected returns.
Duration is crucial - longer periods allow compounding to work powerfully. A 15-year SIP can generate much more than 3x a 5-year SIP at the same monthly investment due to compounding. Staying invested long-term also helps ride out market volatility.
Most SIPs allow increasing, decreasing, or pausing investments, though policies vary by provider. Some may have minimum duration requirements. It's generally advisable to maintain or increase SIP amounts to benefit from compounding rather than decrease them.