SIP Calculator

You invest a fixed amount at regular intervals (usually monthly) into a mutual fund or similar product. Each unit purchased participates in market growth. Over decades, returns compound on both your contributions and prior gains.

SIPs also smooth entry timing: you buy more units when prices are low and fewer when prices are high, which can reduce average cost per unit compared to a single lump-sum entry.

For a flat monthly SIP, maturity value grows with each contribution plus compounded returns on the accumulated balance.

Returns are not guaranteed. Use conservative assumptions (e.g. 10–12% for long-term equity) for planning, but stress-test with lower rates to see downside scenarios.

Increasing SIP by 5–10% each year aligns investments with salary growth. A ₹5,000 SIP with 10% annual step-up can outpace a flat ₹5,000 SIP significantly over 15–20 years.

Work backward from goals: education, retirement, or home down payment. Adjust monthly amount and horizon until projected value matches your target, then automate transfers.