SIP Calculator — Plan Your Wealth
Calculate the future value of your monthly SIP investments. See how compounding grows your wealth over time with real returns.
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What is SIP and how does it work?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (usually monthly) in mutual funds. You benefit from rupee cost averaging — buying more units when prices are low and fewer when high — reducing overall risk.
How is SIP return calculated?
SIP returns use compound interest: FV = P × [{(1+r)^n − 1} / r] × (1+r), where P is monthly investment, r is monthly return rate derived from annual rate, and n is total months.
What is a good SIP amount to start with?
You can start with as little as ₹500/month. Aim for 20% of your monthly income. Consistency matters more than the amount — even ₹5,000/month at 12% for 20 years grows to over ₹50 lakhs.
What returns can I expect from SIP?
Equity mutual funds in India have historically delivered 12-15% annualized returns over 10+ years. Large caps: 10-12%, mid/small caps: 14-18% but with higher volatility. Debt funds: 6-8%.
Is SIP tax-free?
ELSS SIP qualifies for 80C deduction up to ₹1.5L/year under old regime. LTCG above ₹1.25L/year taxed at 12.5%. STCG taxed at 20%.
Can I stop or pause my SIP?
Yes. Stop, pause, or modify anytime without penalty. Most fund houses allow 1-3 month pause. Existing units stay invested even if you stop new contributions.