SIP Calculator

Calculate your Systematic Investment Plan (SIP) returns and plan your mutual fund investments. Build wealth systematically with our free SIP calculator.

SIP Calculator - Calculate Mutual Fund SIP Returns

Free online SIP calculator to calculate systematic investment plan returns for mutual funds. Plan your financial future with our advanced calculator tools.

Investment Calculator Types

₹500₹1L
1 yr50 yrs
1%30%

📊 Your Results Will Appear Here

Ready to Calculate!

Adjust the parameters on the left to see your investment results

Investment Tips

• Start early to benefit from the power of compounding

• Increase your SIP amount by 10-15% annually (step-up)

• Stay invested for the long term (7+ years) for better returns

• Diversify across different mutual fund categories

Why SIP is Perfect for Indians?

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Start with ₹500

Begin your investment journey with as little as ₹500 per month. Perfect for young professionals and students.

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Rupee Cost Averaging

Reduce market volatility impact by investing fixed amounts regularly, buying more units when prices are low.

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Goal-Based Investing

Plan for specific goals like home buying, child's education, or retirement with disciplined SIP investments.

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Auto-Debit Convenience

Set up automatic deductions from your bank account and never miss an investment opportunity.

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Tax Benefits

Invest in ELSS mutual funds through SIP and save up to ₹46,800 in taxes under Section 80C.

Flexibility

Increase, decrease, pause, or stop your SIP anytime based on your financial situation.

SIP Success Example

₹5,000 Monthly SIP for 15 Years

₹9,00,000
Total Investment
₹5,000 × 180 months
₹23,27,554
Final Amount
At 12% annual return
₹14,27,554
Wealth Created
158% returns on investment

*This is for illustration purpose only. Mutual fund investments are subject to market risks.

Frequently Asked Questions

What is the minimum amount for SIP?

Most mutual funds allow SIP starting from ₹500 per month. Some funds may have higher minimums like ₹1,000 or ₹2,500.

Can I stop SIP anytime?

Yes, SIP can be stopped anytime without any penalty. However, ELSS funds have a 3-year lock-in period from each investment date.

How is SIP different from lump sum investment?

SIP spreads investment over time, reducing market timing risk through rupee cost averaging. Lump sum invests entire amount at once, subject to market timing.