SIP Calculator
Smart SIP calculator for India. Plan your mutual fund investments and see your wealth grow with systematic investment planning. Calculate returns, compare strategies, and achieve your financial goals.
Historical Returns: Equity Mutual Funds: 10-15% | Debt Funds: 6-9% | Hybrid Funds: 8-12%
Maturity Amount
₹2,52,28,800
after 15 years
Investment Tips for SIP Success
Essential tips to maximize your SIP returns and build wealth effectively
Wealth Multiplier
Your ₹50,000 monthly investment will multiply more than 2.80x over 15 years.
Return Analysis
Your returns (₹1,62,28,800) exceed your total investment (₹90,00,000)
Monthly Impact
Each ₹50,000 monthly investment contributes ₹1,40,160 to your final corpus.
Power of Compounding
Your ₹50,000 monthly SIP at 12% returns can grow to ₹2,52,28,800 in 15 years. The longer you invest, the more powerful compounding becomes.
Start Early Advantage
Starting SIP 5 years earlier can double your corpus. A 25-year-old investing ₹50,000/month will have significantly more wealth than starting at 30.
Market Volatility
SIP helps average out market volatility. During market dips, you buy more units, and during highs, you buy fewer units, optimizing your average cost.
Higher Returns Scenario
Current Rate:
12%
New Rate:
14%
Current Maturity:
₹2,52,28,800
New Maturity:
₹3,06,42,689
Extra Gain:
+₹54,13,889
Percentage Increase:
+21.46%
Insight: A 2% increase in returns could add ₹54,13,889 to your corpus. Consider equity-heavy funds for higher growth potential.
Lower Returns Scenario
Current Rate:
12%
New Rate:
10%
Current Maturity:
₹2,52,28,800
New Maturity:
₹2,08,96,213
Potential Loss:
-₹43,32,587
Percentage Decrease:
-17.17%
Risk Assessment: A 2% decrease in returns could reduce your corpus by ₹43,32,587. Diversification is key to managing this risk.
| Year | Investment | Returns | Balance |
|---|---|---|---|
| 1 | ₹6,00,000 | ₹40,466 | ₹6,40,466 |
| 2 | ₹6,00,000 | ₹1,21,694 | ₹13,62,160 |
| 3 | ₹6,00,000 | ₹2,13,222 | ₹21,75,382 |
| 4 | ₹6,00,000 | ₹3,16,359 | ₹30,91,742 |
| 5 | ₹6,00,000 | ₹4,32,577 | ₹41,24,318 |
| 6 | ₹6,00,000 | ₹5,63,533 | ₹52,87,852 |
| 7 | ₹6,00,000 | ₹7,11,098 | ₹65,98,950 |
| 8 | ₹6,00,000 | ₹8,77,378 | ₹80,76,328 |
| 9 | ₹6,00,000 | ₹10,64,747 | ₹97,41,075 |
| 10 | ₹6,00,000 | ₹12,75,879 | ₹1,16,16,954 |
| 11 | ₹6,00,000 | ₹15,13,787 | ₹1,37,30,741 |
| 12 | ₹6,00,000 | ₹17,81,868 | ₹1,61,12,609 |
| 13 | ₹6,00,000 | ₹20,83,948 | ₹1,87,96,557 |
| 14 | ₹6,00,000 | ₹24,24,340 | ₹2,18,20,898 |
| 15 | ₹6,00,000 | ₹28,07,902 | ₹2,52,28,800 |
Popular mutual fund schemes for SIP investments
Axis Bluechip Fund
Large Cap
Large-cap equity fund with consistent performance
Kotak Emerging Equity
Mid Cap
Mid-cap fund for higher growth potential
HDFC Balanced Advantage
Balanced
Balanced fund with equity and debt allocation
Calculate SIP returns for specific Asset Management Companies
Pro Tip
Start your SIP journey early, even with a small amount. The key is consistency and staying invested for the long term. Remember, "The best time to start investing was yesterday. The second best time is today."