Plan Your Wealth Journey – Use Our Free SIP Calculator!
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Free Investment Tool

SIP Calculator

Watch your money grow! Calculate the future value of your systematic investments and plan your path to financial freedom.

Configure Your SIP
Monthly Investment ₹10,000
₹500 ₹2,00,000
Expected Return Rate (p.a.) 12%
1% 30%
Investment Period 10 Years
1 Year 40 Years
Your Wealth Projection
Total Value
₹23.23L
+93.6%
Invested Amount
₹12,00,000
Est. Returns
₹11,23,391
Total Value
₹23,23,391
Your Wealth Journey Over Time

Start Early, Win Big

Starting SIP at age 25 vs 35 can double your corpus. Time in the market beats timing the market.

Power of Compounding

₹10,000/month for 30 years at 12% = ₹3.5 Cr. Your money works 24/7, even while you sleep.

Step-Up Your SIP

Increase your SIP by 10% yearly with salary hikes. This simple trick can boost returns by 40%+.

Frequently Asked Questions
What is SIP and how does it work?

SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in mutual funds. It averages your purchase cost through rupee cost averaging, reduces market timing risk, and builds disciplined investing habits.

What returns can I realistically expect?

Historically, equity mutual funds in India have delivered 12-15% CAGR over 10+ years. Debt funds typically give 6-8%. For conservative estimates, use 10-12% for equity and 6-7% for debt funds.

Can I change my SIP amount later?

Yes! Most mutual funds allow you to increase, decrease, pause, or stop your SIP anytime. Consider stepping up your SIP annually by 10-15% to maximize wealth creation.

Is SIP better than lump sum investment?

SIP is ideal for salaried individuals as it matches cash flows. In volatile markets, SIP provides rupee cost averaging. Lump sum works better in bullish trends. A mix of both often yields optimal results.