SIP Calculator
About SIP Calculator
SIP Calculator — plan your financial future with systematic investments. Enter your monthly contribution, expected annual return, and duration to estimate your potential wealth growth.
How to use the SIP Calculator
- Enter your monthly SIP amount (e.g., ₹5,000).
- Provide the expected annual return rate (e.g., 12%).
- Select the investment period in years.
- Click Calculate to view future value, invested amount, and total gains.
Example Calculation
If you invest ₹10,000 per month for 10 years with an expected annual return of 12%, your total corpus could grow to approximately ₹23 lakhs — with ₹12 lakhs invested and ₹11 lakhs earned as profit (depending on compounding).
Tips for Smarter SIP Investing
- Start early — time in the market beats timing the market.
- Use a step-up SIP to increase contributions annually and beat inflation.
- Review SIP performance every 6–12 months and rebalance if needed.
FAQs
Are SIP returns guaranteed?
No — SIP returns depend on market performance. The calculator only estimates potential growth based on assumed rates.
Is SIP better than Lumpsum investing?
SIPs spread investments over time, reducing market risk. Lumpsum works better for long-term investments when the market is undervalued.
Plan ahead and stay consistent — small monthly SIPs can create large wealth over time.