SIP Calculator
Calculate returns on your Systematic Investment Plan
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Formula
FV = P × [(1+r)^n - 1] / r × (1+r)Frequently Asked Questions
What is SIP and how does it work?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It leverages rupee cost averaging — you buy more units when prices are low and fewer when prices are high, reducing the impact of market volatility over time.
How much return can I expect from SIP?
Historical equity mutual fund returns in India have averaged 12-15% annually over long periods (10+ years). However, past returns do not guarantee future performance. Our calculator helps you project returns based on your expected rate of return.
What is the minimum amount for SIP in India?
Most mutual fund houses in India allow SIPs starting from ₹500 per month. Some funds even offer ₹100 SIPs. There is no upper limit on SIP amount.
Is SIP better than lumpsum investment?
SIP is generally better for most investors as it reduces timing risk through rupee cost averaging. Lumpsum can give higher returns if you invest at the right time, but SIP is more suitable for salaried individuals and reduces emotional decision-making.
Can I stop or pause my SIP?
Yes, you can pause, increase, decrease, or stop your SIP at any time without any penalty. Most fund houses also offer a SIP pause facility for 1-3 months if needed.