SIP Calculator
Calculate the future value of your Systematic Investment Plan (SIP) in mutual funds.
₹5,000
12%
10 yrs
Maturity Value
₹11,61,695
in 10 years @ 12% p.a.
Total Invested
₹6,00,000
Est. Returns
₹5,61,695
Growth Over Time
Frequently Asked Questions
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in a mutual fund scheme, typically monthly.
Is SIP better than lumpsum?
SIP benefits from rupee-cost averaging — you buy more units when markets are low and fewer when high. It reduces timing risk compared to a lumpsum investment.
What is a good SIP return rate to assume?
Historically, Indian equity mutual funds have delivered 12-15% CAGR over long periods. For conservative estimates, use 10-12%.
Can I increase my SIP amount?
Yes, most mutual funds offer a Step-Up SIP option where you can increase your SIP amount by a fixed percentage each year.