SIP Calculator

What is SIP Calculator?

SIP Calculator projects future value of monthly mutual fund investments using expected annual return and investment duration. It helps investors plan goal-based savings for education, travel, and retirement.

Investment projections are calculated in your browser; your inputs are not transmitted.

How to use SIP Calculator

1. 1Enter monthly SIP contribution amount in rupees.
2. 2Set expected annual return percentage.
3. 3Select investment duration in years.
4. 4Calculate to view invested amount, estimated gains, and maturity value.

Examples

₹5,000/month, 12% annual return, 15 years -> maturity approx ₹25.2 lakh

₹2,000/month, 10% annual return, 10 years -> maturity approx ₹4.1 lakh

Tips & common mistakes

• Use conservative return assumptions (for example 10-12%) for realistic planning.
• Increase SIP annually to align with salary growth and inflation.
• Remember projections are estimates, not guaranteed market returns.

Who uses this tool?

• •Young earners planning wealth creation through disciplined investing.
• •Parents estimating corpus for child education goals.
• •Investors comparing SIP amounts to meet retirement targets.

Frequently asked questions

Is SIP return guaranteed?

No. SIP outcomes depend on market performance and fund selection; the calculator provides projected estimates only.

How is SIP different from lump-sum investing?

SIP invests fixed amounts periodically, helping rupee-cost averaging, while lump-sum invests all capital at once.

Should I include inflation in SIP planning?

Yes. Inflate future goals and consider step-up SIPs to maintain purchasing power over long horizons.

Can I pause or stop SIP anytime?

Most platforms allow pauses or stops, but long-term consistency generally improves goal outcomes.

What annual return should I enter?

Use historical category ranges conservatively and align with your risk profile rather than chasing unrealistic numbers.