📈 SIP Calculator
Estimate your mutual fund SIP returns, total wealth accumulated, and view a year-wise growth projection.
SIP Returns Summary
Total Value
₹23,23,391
Total Invested
₹12,00,000
Estimated Returns
₹11,23,391
📋 Year-wise Growth
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
Frequently Asked Questions
What is SIP?
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in mutual funds. It helps build wealth over time through the power of compounding and rupee cost averaging.
How is SIP return calculated?
SIP returns are calculated using the formula: FV = P × [((1+r)^n - 1) / r] × (1+r), where P is the monthly investment, r is the monthly rate of return, and n is the total number of months.
What is the minimum SIP amount?
Most mutual funds in India allow SIPs starting from ₹500 per month. Some funds even allow ₹100 SIPs.
Are SIP returns guaranteed?
No, SIP returns are market-linked and not guaranteed. The calculator shows estimated returns based on an assumed annual rate. Actual returns may vary based on market conditions.
What is the difference between SIP and lump sum?
SIP invests a fixed amount regularly (monthly), reducing the risk of market timing through rupee cost averaging. Lump sum is a one-time investment. SIP is generally better for salaried individuals.
Can I stop or modify my SIP?
Yes, you can stop, pause, or modify your SIP amount at any time. There is no penalty for stopping a SIP in most mutual funds.