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A Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds. Instead of investing a large lump sum, you invest a fixed amount at regular intervals (usually monthly).
Our SIP Calculator helps you visualize the power of compounding. By investing small amounts consistently, you can build a significant corpus over time, making it one of the most effective ways to reach long-term financial goals like retirement or buying a home.
The calculator will instantly show you your Total Investment, the Estimated Returns earned, and the final Maturity Value.
While a Lumpsum investment can be beneficial if you have a large amount of cash and the market is at a low point, SIPs are generally safer for most investors. SIPs mitigate the risk of "timing the market" and are ideal for salaried individuals who want to invest a portion of their monthly income.
No, SIP returns in mutual funds are subject to market risks. The calculator provides an estimate based on the return rate you provide, but actual returns may vary.
Yes, many platforms offer a "Step-up SIP" feature where you can increase your monthly contribution as your income grows, which can significantly boost your final corpus.
Historically, equity mutual funds have delivered returns between 10% and 15% over long periods (10+ years). However, it is safer to use a conservative estimate like 10-12% for planning.