SIP Calculator
Estimate your monthly SIP growth, invested amount, and possible long-term value. Returns are market-linked and not guaranteed.
What is SIP?
SIP stands for Systematic Investment Plan. It lets you invest a fixed amount in a mutual fund at regular intervals, usually every month. SIPs are popular in India because they help investors build discipline and avoid timing the market.
How SIP returns are calculated
This calculator estimates future value using monthly compounding. It uses your monthly investment, expected annual return, and investment period. The result is only an estimate because mutual fund returns change with market performance.
Example: Rs. 10,000 monthly SIP for 10 years
If you invest Rs. 10,000 every month for 10 years, your total investment will be Rs. 12,00,000. At an assumed 12% annual return, the estimated value can be around Rs. 23.2 lakh. This is not a guaranteed amount; it is only an illustration.
SIP vs FD: short comparison
SIP
Market-linked, better suited for long-term goals, and returns can move up or down.
FD
Usually more stable, offers fixed interest, and interest is taxable as per your income tax slab.
Common mistakes beginners make
- Expecting fixed or guaranteed returns from equity mutual funds.
- Stopping SIPs during short-term market falls without reviewing the goal.
- Choosing funds only by last year's return.
- Investing without an emergency fund.
- Ignoring expense ratio, risk level, and investment time horizon.
Mutual fund risk disclaimer
Mutual fund investments are subject to market risks. Past returns do not guarantee future returns. Rupeely provides calculators and educational information only, not investment, tax, or legal advice. Please consult a qualified advisor before making financial decisions.
Useful links
Frequently Asked Questions
1. What is a SIP?
A SIP is a way to invest a fixed amount regularly in a mutual fund, usually every month.
2. Are SIP returns guaranteed?
No. SIP returns depend on market performance and the mutual fund you choose. The calculator only gives an estimate.
3. How much SIP should I start with?
Start with an amount you can invest comfortably every month after keeping money for expenses and emergency needs.
4. Is SIP better than FD?
SIP may offer higher long-term growth potential but carries market risk. FD is usually more stable, but returns are generally lower and taxable.
5. Can I stop or change my SIP?
Most SIPs can be paused, stopped, increased, or reduced. Check the rules of your mutual fund platform or AMC.