💰 SIP Calculator
Plan your wealth creation journey with intelligent projections
Investment Parameters
Investment Projection
Scenario Analysis
Compare outcomes across different return scenarios
| Scenario | Return Rate | Future Value | Real Value | Total Gains |
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Investment Composition
Growth Over Time
Year-by-Year Breakdown
| Year | Annual Investment | Cumulative Investment | Portfolio Value | Annual Gains | Inflation-Adjusted |
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This calculator provides estimated returns based on assumed rates of return. Actual returns may vary based on market conditions and fund performance. Past performance is not indicative of future results. Please consult a financial advisor before making investment decisions.
Planning to Step up your SIPs? use Step-up SIP Calculator
What is SIP?
SIP, or Systematic Investment Plan, is a disciplined and popular way to invest in mutual funds. It allows investors to contribute a fixed amount at regular intervals—usually monthly—into a chosen mutual fund scheme. SIPs are widely used for long-term financial planning and wealth creation.
How SIP Works
- Select a Mutual Fund: Choose a fund that aligns with your goals, risk tolerance, and investment horizon.
- Choose Investment Amount: Decide the fixed amount to invest regularly (can start from a few hundred rupees).
- Frequency: Select how often you want to invest—monthly is common, but quarterly or weekly options exist.
- Auto Debit: Set up auto-debit from your bank account to ensure timely investment every month.
- NAV (Net Asset Value): Your money buys mutual fund units at the NAV prevailing on your SIP date.
- Accumulation of Units: Over time, you accumulate units, and your total value changes with market performance.
- Long-Term Benefits: SIPs leverage compounding and rupee cost averaging to build wealth steadily.
- Flexibility: You can increase, decrease, pause, or stop your SIP anytime as per your financial situation.
Understanding Mutual Funds
Mutual funds pool money from many investors and invest it across stocks, bonds, or other securities. These funds are managed by professional fund managers who make investment decisions on your behalf.
Types of Mutual Funds
- Equity Funds: Invest in stocks — high return potential, higher risk.
- Debt Funds: Invest in bonds — stable returns with lower risk.
- Hybrid Funds: Combine equity and debt — balance between risk and reward.
- Index Funds: Track a market index like Nifty 50 or Sensex.
- Sector Funds: Focus on a specific industry like IT or Healthcare.
- Tax-Saving Funds (ELSS): Equity-based funds offering tax benefits under Section 80C.
Key Benefits of Mutual Funds
- Diversification: Reduces risk by spreading investments across multiple assets.
- Professional Management: Expert fund managers make investment decisions for you.
- Liquidity: Easy to buy or sell units on any business day.
- Affordability: SIPs let you start investing with small amounts.
- Transparency: Regular updates on portfolio holdings and performance.
It’s important to choose SIPs and mutual funds that align with your financial goals, risk appetite, and investment horizon. For personalized recommendations, consult a SEBI-registered financial advisor.
How to Use the SIP Calculator
- Choose the type of SIP — Standard, Step-Up, or Goal-based.
- Enter your monthly investment, duration, and expected return rate.
- Click Calculate to see the total invested amount and projected future value.
- Review the growth chart and detailed year-wise breakdown below.
When to Choose Step-Up SIP
If your income grows each year, Step-Up SIP helps you increase your monthly contribution automatically and reach your goal faster — without feeling the pinch.
Frequently Asked Questions
What’s the difference between Standard and Step-Up SIP?
A Standard SIP keeps your contribution fixed, while a Step-Up SIP increases it yearly by a set percentage.
Are these SIP returns guaranteed?
No. The calculator shows projected values based on your inputs — actual returns vary with market performance.
Should I include inflation?
Yes, adding inflation gives a realistic picture of your future corpus in today’s money value.
When should I prepay or increase SIP?
Increase SIP when your income rises. Prepay only if you’ve met your long-term goals and have surplus funds.
Can I rely solely on this calculator?
Use it as a planning tool. For personalized advice, always consult a SEBI-registered financial advisor.
Disclaimer
Please note that the SIP Calculator is a simplified tool and serves as a basic financial planning guide. The actual returns on your investments may vary due to market conditions and other factors. Always consult with a financial advisor or conduct further research to make informed investment decisions.
MoneyInvest.in is not responsible for any investment decisions made based on the results obtained from this calculator.