SIP Calculator
Invest Regularly. Grow Consistently. Plan Your Goals.
Estimate your SIP maturity value, total investment and potential wealth creation based on your monthly investment, expected return and investment period.
MONTHLY SIP
See how your regular monthly investment can build over time.
ESTIMATED MATURITY VALUE
Understand the projected value of your SIP at the selected return assumption.
WEALTH CREATED
See the difference between your total investment and projected growth.
Section A: Build Your SIP
Monthly ContributionSection B: Expected Growth Assumption
Annual Return RateSection C: Investment Horizon
Time PeriodYour SIP Result Explained
Total Principal Invested
You deposit ₹5,000 monthly for 10 years (120 total installments), accumulating a total principal of ₹6,00,000.
Compounding Growth
Assuming an annual rate of 12%, monthly compounding produces an estimated wealth gain of ₹5,61,695.
Projected Maturity Corpus
Combining principal (₹6,00,000) and growth yields an estimated final maturity wealth of ₹11,61,695.
SIP शुरू करने से पहले इन सावधानियों का ध्यान रखें
Important things to check before starting a SIP
1. Goal First
अपने वित्तीय लक्ष्य (जैसे बच्चों की पढ़ाई या घर) के अनुसार ही मासिक एसआईपी राशि निर्धारित करें।
2. Time Horizon
अपने लक्ष्य की समयसीमा के अनुसार ही इक्विटी, हाइब्रिड या डेट फंड का चयन करें।
3. Return Assumption
कैलकुलेटर की अनुमानित रिटर्न दर को गारंटी न मानें; वास्तविक मार्केट रिटर्न ऊपर-नीचे हो सकते हैं।
4. Market Risk
म्यूचुअल फंड निवेश बाज़ार के जोखिमों के अधीन हैं। योजना से जुड़े सभी दस्तावेज़ ध्यान से पढ़ें।
5. Emergency Fund
निकट भविष्य या आपातकालीन जरूरतों के पैसे को दीर्घकालिक इक्विटी SIP में न लगाएं।
6. Risk Profile
अपनी जोखिम क्षमता (Risk Capacity) और वित्तीय स्थिति के अनुसार ही योजना चुनें।
7. Review Regularly
आय, लक्ष्य या पारिवारिक जिम्मेदारियों में बदलाव होने पर हर साल SIP पोर्टफोलियो की समीक्षा करें।
8. Read Scheme Documents
निवेश करने से पहले स्कीम के खर्च (Expense Ratio), एग्जिट लोड और जोखिम स्तर की जांच करें।
3 Key Things to Know
Essential factors every investor should evaluate before starting a SIP.
Compounding Benefit
Starting early gives your investment more time to benefit from compounding. Longer horizons can materially change the projected outcome over decades.
Consistency Matters
Regular monthly investing builds disciplined saving habits and rupee-cost averaging instead of depending on occasional large lumpsum deposits.
Return is Not Guaranteed
The calculator uses an assumed return rate for illustration. Actual market-linked investment returns can move up or down over time.
Why Your SIP Result Changes
Understand the primary factors influencing your estimated SIP maturity value.
Monthly Investment
Increasing your monthly deposit linearly increases your total invested principal and exponential maturity growth.
Investment Horizon
Compounding returns accelerate in the later years of an investment term. Longer horizons produce exponentially higher wealth gains.
Expected Return Rate
Even a 1-2% difference in annual compounding yield creates a substantial divergence in total maturity corpus over 15-20 years.
Compounding Frequency
Monthly compounding reinvests interest gains every 30 days, building wealth faster than annual simple interest.
Goal Timeline
Matching asset allocation to target goal dates protects accumulated wealth from short-term market drawdowns.
Market Performance
Actual returns fluctuate with equity and bond market cycles; past assumed rates do not guarantee future performance.
Common SIP Mistakes to Avoid
1. Chasing Unrealistic Returns
Assuming unrealistically high annual return rates (e.g. 25%) leads to flawed long-term goal planning.
2. Stopping SIPs During Market Volatility
Pausing SIPs in market downturns misses rupee-cost averaging opportunities to accumulate more units at lower NAVs.
3. Investing Without a Defined Goal
SIPs without target timelines often get prematurely redeemed for discretionary spending.
4. Treating Calculator Output as a Guarantee
Calculator results are illustrative estimates. Mutual fund returns fluctuate based on market movements.
Yearly Wealth Projections Schedule
| Year | Invested Principal | Estimated Growth | Maturity Value |
|---|---|---|---|
| Year 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| Year 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| Year 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| Year 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| Year 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| Year 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| Year 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| Year 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| Year 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| Year 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
Mathematical Formula for SIP Compounding
Systematic Investment Plan (SIP) returns compound monthly on annuity cash flows using the future value of annuity formula:
Worked Example: ₹5,000 Monthly SIP for 15 Years
Suppose an investor starts a monthly SIP of ₹5,000 in an equity mutual fund scheme with an assumed annual compounding rate of 12.00% for 15 years (180 months):
Compounding Impact: Over 15 years, the accumulated wealth gain (₹16.22 Lakhs) is nearly 1.8x the total principal invested (₹9.00 Lakhs), demonstrating the exponential power of long-term compounding.
Frequently Asked Questions
What is a Systematic Investment Plan (SIP)?
A SIP allows you to invest a fixed amount of money regularly (monthly or quarterly) into a mutual fund, promoting financial discipline and rupee cost averaging.
What is rupee cost averaging in SIPs?
Rupee cost averaging means you buy more mutual fund units when prices/market values are low and fewer units when prices are high, lowering your average cost of purchase over time.
Learn
Compounding
Compounding is the process where your investment earns returns, and those returns themselves earn returns over time. Starting early gives your money more time to compound. A regular monthly investment can grow significantly over the long term because of compounding. Consistency and time are the key ingredients.
Inflation
Inflation reduces the purchasing power of your money over time. If your investments earn less than the inflation rate, your money is effectively losing value. A good investment strategy aims to earn returns that are higher than inflation, helping your money grow in real terms. Different asset classes have different potential to beat inflation.
Risk and Return
Risk and return are closely related in investing. Generally, investments with higher potential returns come with higher risk. Lower-risk options like fixed deposits offer stable but lower returns. Understanding your risk tolerance helps you choose the right mix of investments. Diversification across different asset types can help manage overall portfolio risk.
Diversification
Diversification means spreading your investments across different asset classes like equity, debt, gold, and real estate. The idea is that when one type of investment is performing below expectations, another may be doing well. This helps balance your overall returns and reduce the impact of any single investment's performance on your portfolio.
Frequently Asked Questions
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