SIP Calculator

A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, etc.). Our SIP calculator helps you estimate the maturity value of your SIP investments.

Benefits of SIP

• Rupee Cost Averaging: Buy more units when prices are low and fewer when prices are high
• Power of Compounding: Returns generated are reinvested to generate further returns
• Disciplined Investing: Regular investments create a habit of saving
• Flexibility: Start with as low as ₹500 per month
• Convenience: Automated monthly deductions from your bank account

How SIP Returns are Calculated

SIP returns are calculated using the future value of annuity formula: FV = P × ((1 + r)^n - 1) / r × (1 + r)

Where: P = Monthly investment, r = Expected monthly return rate, n = Number of months

Tips for SIP Investment

• Start early to maximize the benefits of compounding
• Stay invested for the long term (5+ years recommended)
• Don't stop SIP during market downturns - this is when you accumulate more units
• Increase your SIP amount annually as your income grows
• Choose funds based on your risk appetite and investment goals