SIP Calculator
Calculate Systematic Investment Plan returns over time
₹23,23,391
After 10 years
Total Investment
₹12,00,000
Wealth Gain
₹11,23,391
CAGR
6.83%
Expected Return
12.00%
Consider enabling Step-Up SIP to grow your wealth faster with annual increments
Starting SIP 5 years earlier would have given you an additional ₹75,29,027 due to compounding
| Year | Investment | Maturity Value | Wealth Gain |
|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| Year 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| Year 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| Year 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| Year 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| Year 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| Year 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| Year 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| Year 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| Year 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| Total | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
SIP
Step-up SIP
Lump Sum
Understanding SIP Investment Strategy
A Systematic Investment Plan (SIP) is one of the most effective ways to build wealth over time. By investing a fixed amount regularly, you benefit from rupee cost averaging and the power of compounding. This SIP calculator helps you project your returns and plan your financial future with confidence.
Benefits of Using a SIP Calculator
- Accurate Projections: Calculate your potential returns based on different investment amounts and time periods
- Goal Planning: Determine how much you need to invest monthly to reach your financial goals
- Compare Scenarios: Analyze different return rates and investment strategies
- Tax Planning: Understand post-tax returns for better financial planning
- Step-Up Benefits: See how increasing investments annually can boost your final corpus
Why Choose SIP Over Other Investment Methods?
SIP offers several advantages over lump sum investing. It eliminates the need to time the market, as you invest regularly regardless of market conditions. This strategy is particularly beneficial during market volatility - you buy more units when prices are low and fewer when prices are high, naturally averaging your cost. Additionally, SIP cultivates financial discipline and makes investing accessible to everyone, starting from as low as ₹500 per month.
Maximizing Your SIP Returns
To get the most from your SIP investments, consider these strategies: Start early to benefit from longer compounding periods. Enable step-up SIP to increase your investment as your income grows. Stay invested through market cycles - don't stop during downturns. Choose funds aligned with your risk profile and investment horizon. Review and rebalance your portfolio annually. Most importantly, maintain discipline and avoid stopping your SIP prematurely.