SIP Calculator India

SIP full form: Systematic Investment Plan.

In Hindi: सिस्टमैटिक इन्वेस्टमेंट प्लान.

SIP ek aisi investment method hai jisme aap ek fixed amount har mahine mutual fund mein invest karte hain automatically.

It lets you invest small amounts (as low as ₹100/month) regularly rather than a large lumpsum at once.

Each instalment buys mutual fund units at the prevailing NAV.

Over time, you accumulate units at different prices — averaging your cost (rupee cost averaging) and benefiting from compounding.

SIP is not a standalone financial product — it is a method of investing into a mutual fund scheme.

Pre-calculated estimated SIP returns assuming an average 12% p.a.

return rate (equity mutual fund benchmark):.

₹500/month: 5 Yrs → ₹40,939 | 10 Yrs → ₹1,16,170 | 15 Yrs → ₹2,52,285 | 20 Yrs → ₹4,99,574.

₹1,000/month: 5 Yrs → ₹81,939 | 10 Yrs → ₹2,32,339 | 15 Yrs → ₹5,04,571 | 20 Yrs → ₹9,99,148.

₹2,000/month: 5 Yrs → ₹1,63,878 | 10 Yrs → ₹4,64,678 | 15 Yrs → ₹10,09,142 | 20 Yrs → ₹19,98,296.

₹5,000/month: 5 Yrs → ₹4,09,694 | 10 Yrs → ₹11,61,695 | 15 Yrs → ₹25,22,855 | 20 Yrs → ₹49,95,740.

₹10,000/month: 5 Yrs → ₹8,19,389 | 10 Yrs → ₹23,23,391 | 15 Yrs → ₹50,45,710 | 20 Yrs → ₹99,91,479.

Note: All figures assume 12% p.a.

return with monthly compounding, Mutual fund investments are subject to market risks.

Flat-SIP models assume you invest the exact same amount every month for decades — which rarely reflects real career progression.

If your salary increases annually, stepping up your SIP amount compounds wealth significantly faster.

A ₹10,000/month SIP with a 10% annual step-up builds nearly double the corpus of a flat SIP over 20 years.

Use our dedicated Step-Up SIP Calculator to model annual top-ups and visualize how small salary increases grow your final corpus.

The maturity figures above represent nominal wealth — they do not reflect the erosion of purchasing power caused by inflation.

For example, a ₹10,000/month SIP for 20 years at 12% yields ₹99.9 lakh nominally.

Assuming a 6% average inflation rate, that corpus is equivalent to approximately ₹31.2 lakh in today's purchasing power.

To account for this, adjust your goal amount using our Inflation Calculator or configure an annual Step-Up SIP to stay ahead of rising costs.

An annual SIP involves making a single investment once a year instead of monthly payments.

This option is ideal for business owners, freelancers, or professionals who receive annual bonuses.

For a total investment of ₹1.2 lakh/year over 10 years at 12% p.a.: Monthly SIP (₹10,000/mo) yields ~₹23.23 lakh, whereas Annual SIP (₹1,20,000/yr) yields ~₹21.15 lakh.

The monthly frequency generates roughly 10% higher returns due to dollar-cost averaging and more frequent compounding.

A daily SIP automatically invests a small fixed amount every trading day (typically ₹100–₹500/day).

Available on platforms like Groww, Zerodha Coin, and Paytm Money, daily SIP provides granular rupee cost averaging across 22–23 NAV price points per month.

At 12% p.a.

over 10 years, a daily SIP of ₹333/day (~₹10,000/month equivalent) yields approximately ₹23.28 lakh — marginally higher than a monthly SIP.

Daily SIPs are particularly well-suited for daily earners, gig workers, and active traders.

A Systematic Withdrawal Plan (SWP) is the mirror image of a SIP.

Instead of depositing money monthly, you withdraw a fixed monthly income from an accumulated mutual fund corpus while the remaining balance continues to compound.

For example, a ₹1 crore retirement corpus earning 8% p.a.

with a ₹60,000/month withdrawal can sustain payouts for 25+ years because the unwithdrawn balance keeps growing.

For an inflation-adjusted SWP, withdrawal amounts increase annually to match rising living costs, requiring a larger initial starting corpus.

While individual stock or fund advice depends on personal risk tolerance, evaluate these four criteria when selecting a mutual fund scheme for a 10-year horizon:.

(1) 10-Year Rolling Returns versus benchmark performance (e.g., Nifty 50 or Nifty LargeMidcap 250).

(2) Expense Ratio Direct plans (0.1%–0.5%) outperform regular plans (1%–2%) by saving fees that compound over decades.

(3) Fund House AUM and Manager Track Record.

(4) Asset Class Allocation Flexi-cap and index funds historically provide strong risk-adjusted returns over a 10-year period.

1) Complete One-Time KYC: Verify your Aadhaar and PAN on any SEBI-registered AMC or aggregator app.

2) Choose the Scheme: Select a Direct Plan variant to minimize fee drag.

3) Select SIP Date & Amount: Pick a date 3–5 days after your salary credit date.

4) Authorize NACH Mandate: Enable auto-debit via net banking or UPI.

5) Track Annually: Monitor performance annually against the fund's benchmark index rather than tracking daily NAV movements.

The calculator uses the standard future value formula for annuity investments: M = P × [(1 + i)ⁿ − 1] / i × (1 + i), where M is the maturity value, P is the monthly installment, i is the periodic monthly rate (annual return ÷ 12 ÷ 100), and n is the total number of payments (years × 12).

Each installment compounds over its remaining duration in the market.

The SIP strategy applies to multiple asset classes: Gold SIP (via Gold ETFs or Sovereign Gold Bonds for portfolio hedging), ETF SIP (low-cost index tracking like Nifty 50 ETFs), and Crypto SIPs.

While crypto platforms allow automated recurring purchases, digital assets carry distinct regulatory, tax (flat 30% tax without loss set-off in India), and volatility risks compared to SEBI-regulated mutual funds.