Calculate mutual fund SIP returns & wealth creation
Investment Summary
A SIP (Systematic Investment Plan) Calculator is a financial tool that helps you estimate the returns on your regular mutual fund investments. It calculates the maturity amount based on your monthly investment, expected rate of return, and investment duration.
This calculator is essential for financial planning and helps you understand how much wealth you can create through disciplined investing. It shows both absolute returns and CAGR (Compound Annual Growth Rate) for better decision-making.
FV = P × [(1 + r)n - 1] / r × (1 + r)Future Value = Monthly Investment × [(1 + Monthly Rate)Months - 1] / Monthly Rate × (1 + Monthly Rate)
Buy more units when prices are low and fewer when high, reducing average cost per unit.
Earn returns on returns over time, exponentially growing your wealth.
Automate investments and build wealth systematically without market timing.
Begin with as little as ₹500/month and increase gradually.
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. Instead of investing a lump sum, you invest small amounts monthly, which are used to purchase units of a mutual fund. This helps in rupee cost averaging and reduces market timing risk.
SIP returns are calculated using the Future Value formula: FV = P × [{(1 + r)^n - 1} / r] × (1 + r), where P is the monthly investment, r is the monthly rate of return, and n is the number of months. The calculator shows both absolute returns and CAGR (Compound Annual Growth Rate).
Historically, equity mutual funds have delivered 12-15% annual returns over the long term (10+ years). Debt funds typically give 6-9% returns. However, past performance doesn't guarantee future returns. Your expected return should be realistic based on your fund category and risk appetite.
Yes, SIP is flexible. You can stop, pause, or modify your SIP amount anytime without any penalty. However, to achieve your financial goals, it's recommended to continue SIP for the planned duration.
Most mutual funds allow SIP starting from ₹500 per month. However, to build substantial wealth, it's recommended to invest at least ₹1,000-₹5,000 monthly based on your income and financial goals.