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SIP Calculator - Systematic Investment Plan India 2025

SIP Calculator

Calculate your SIP returns or find the required SIP amount for your financial goals

Choose Calculation Mode

Investment Amount

I know how much I can invest monthly

Goal Amount

I know my target financial goal

₹
₹500₹1,00,000
1 Year40 Years
5%25%

Enable Step-up SIP

Increase your SIP amount annually to beat inflation

Investment Summary

Maturity Amount
₹0
Total Invested
₹0
Estimated Returns
₹0
Return MultipleNaNx
Wealth GainedNaN%
SIP Growth Over Time

Year-wise breakdown of your SIP investment growth

Average Monthly Growth
₹13,644
Effective Annual Return
9.2%
Wealth Multiplier
3.7x
Return Scenarios Analysis

Compare different return scenarios for your SIP investment

Conservative

9% annual return

₹19,06,219

Returns: ₹10,06,219

Moderate

11% annual return

₹22,94,288

Returns: ₹13,94,288

Expected

12% annual return

₹25,22,880

Returns: ₹16,22,880

Optimistic

14% annual return

₹30,64,269

Returns: ₹21,64,269

Investment Breakdown

Visual breakdown of investment vs returns

Investment vs Returns

Invested Amount
Returns
Year-wise SIP Breakdown

Detailed annual progress of your SIP investment journey

Year
Monthly SIP
Annual Investment
Cumulative Investment
Portfolio Value
Annual Returns
Total Returns
2025
₹5,000
₹60,000
₹60,000
₹63,600
+₹3,600
₹3,600
2026
₹5,000
₹60,000
₹1,20,000
₹1,34,832
+₹11,232
₹14,832
2027
₹5,000
₹60,000
₹1,80,000
₹2,14,612
+₹19,780
₹34,612
2028
₹5,000
₹60,000
₹2,40,000
₹3,03,965
+₹29,353
₹63,965
2029
₹5,000
₹60,000
₹3,00,000
₹4,04,041
+₹40,076
₹1,04,041
2030
₹5,000
₹60,000
₹3,60,000
₹5,16,126
+₹52,085
₹1,56,126
2031
₹5,000
₹60,000
₹4,20,000
₹6,41,661
+₹65,535
₹2,21,661
2032
₹5,000
₹60,000
₹4,80,000
₹7,82,260
+₹80,599
₹3,02,260
2033
₹5,000
₹60,000
₹5,40,000
₹9,39,732
+₹97,472
₹3,99,732
2034
₹5,000
₹60,000
₹6,00,000
₹11,16,100
+₹1,16,368
₹5,16,100
Financial Milestones

Track your journey to key financial goals

₹1 Lakh
Year 2
₹5 Lakh
Year 6
₹10 Lakh
Year 10
₹25 Lakh
Beyond timeline
Progress Summary

3 out of 6 milestones achieved in 15 years

Investment Performance

Key metrics of your SIP investment

Expected Annual Return

12%
Compounded annually

Wealth Multiplier

3.7x
Your money grows by this factor

Returns vs Investment

273%
Returns as % of total investment

Pro SIP Investment Tips in India

Expert tips to maximize your SIP returns and achieve financial goals faster

Start Early, Benefit More

Starting SIP early gives you the power of compounding. Even ₹1,000 monthly can grow to ₹35 lakhs in 20 years at 12% returns.

Increase SIP Every Year

Step-up your SIP by 10-15% annually. This helps counter inflation and accelerates wealth creation significantly.

Stay Disciplined

SIP success comes from discipline. Market volatility is temporary, but consistent investing builds long-term wealth.

Diversify Across Funds

Don't put all eggs in one basket. Spread SIPs across large-cap, mid-cap, and ELSS funds for balanced growth.

How SIP Calculation Works

Understanding the mathematical formula behind SIP returns

SIP Future Value Formula - Mathematical Guide for Mutual Fund Investments

FV = P × [((1 + r)^n - 1) / r] × (1 + r)

SIP Formula Variables:

FV = Future Value (SIP Maturity Amount in INR)
P = Monthly SIP Investment Amount
r = Monthly Return Rate (Annual Rate ÷ 12)
n = Total SIP Installments (Years × 12)

SIP Calculator Benefits:

• Accurate compound interest calculation
• Works for equity and debt mutual funds
• Includes rupee cost averaging effect
• Helps plan financial goals systematically
How SIP Calculation Works in India:

The SIP calculator formula uses the compound interest principle to calculate returns on systematic investment plans. This mathematical approach helps Indian investors understand how monthly SIP investments in mutual funds grow over time, considering the power of compounding and rupee cost averaging in volatile markets.

SIP Tax Benefits & ELSS Calculation:

When investing in ELSS (Equity Linked Savings Scheme) through SIP, you can claim tax deduction up to ₹1.5 lakh under Section 80C. Our SIP calculator helps you plan tax-saving investments while maximizing long-term wealth creation through systematic investing.

SIP Calculator Example - Real Investment Scenario

See how a ₹5,000 monthly SIP grows over 15 years with 12% annual returns

Example Calculation

Monthly SIP
₹5,000
Investment Period
15 Years
Expected Return
12% p.a.
Result
₹9,00,000
Total Invested
₹24,55,947
Estimated Returns
₹33,55,947
Maturity Amount

Key Factors That Impact Your SIP Returns

Understanding these factors helps you optimize your SIP investment strategy

Factors Affecting SIP Returns

Investment Duration
Longer investment periods amplify the power of compounding
Market Volatility
SIP averages out market volatility through rupee cost averaging
Fund Performance
Choose funds with consistent long-term performance
Expense Ratio
Lower expense ratios mean higher net returns
Tax Implications
Step-up Strategy
Increase SIP amount annually to beat inflation

SIP Calculator FAQs

Everything you need to know about SIP investments

SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. When you start a SIP, a predetermined amount is automatically debited from your bank account and invested in your chosen mutual fund scheme. This creates a disciplined investment habit and helps you benefit from rupee cost averaging - buying more units when prices are low and fewer when prices are high.

Need More Help?

Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.

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