SIP Calculator
Plan mutual fund SIP investments. Estimate returns and wealth growth.
About SIP Calculator
Designed for salaried investors and first-time mutual fund buyers, the SIP Calculator opens instantly with no signup and nothing to install. Enter the monthly investment, the expected annual return and the tenure in years, and the calculator shows the invested amount, the estimated wealth gained and the maturity value. A step-up field lets you increase the monthly sum every year to match your salary growth, which is how most Indian investors actually run SIPs. The chart visualises how the corpus compounds over time and clearly separates your own contributions from market returns, so the magic of compounding is visible rather than abstract. The inputs accept any return rate, but typical Indian equity SIP returns over long tenures are assumed around 12 per cent for context. Wherever rules differ by slab, state or regime, the tool shows the full breakup instead of hiding it inside one opaque number. Real-world uses include planning a 15-year SIP for retirement, comparing a Rs 5,000 and a Rs 10,000 monthly SIP, and deciding whether a step-up is affordable after an appraisal. It works just as well on a budget Android phone as on an office desktop, over any connection.
How to Use the SIP Calculator
- Open the SIP Calculator tool above — it loads instantly in your browser.
- Enter your values in the input fields provided.
- The result updates immediately — no calculate button needed (or click Calculate where shown).
- Copy or use your result directly. Nothing is stored or sent to any server.
Key Features of SIP Calculator
- Monthly investment
- Yearly returns
- Total corpus
- Monthly SIP projection
- Step-up support
- Invested vs returns split
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Frequently Asked Questions
How does SIP work?
Systematic Investment Plan (SIP) lets you invest a fixed amount regularly (monthly/quarterly) in mutual funds, averaging purchase costs through rupee cost averaging.
What is the power of compounding in SIP?
Compounding means your investment returns generate their own returns over time. Starting early with SIP maximizes the compounding effect for significant wealth creation over 15-20 years.
How much to invest in SIP monthly?
Start with as little as Rs. 500 per month. A common guideline is investing 10-15% of monthly income in equity mutual fund SIPs for long-term wealth building.
Is the 12 per cent return guaranteed?
No - 12 per cent is a long-run average for equity SIPs used only for illustration; actual returns depend on the market and can be lower or higher.
Can SIPs be stopped midway?
Yes, most Indian mutual funds allow you to pause or stop an SIP without penalty, although ELSS funds lock each instalment for three years.