SIP Calculator

A systematic Investment Plan (SIP) is a kind of investment scheme offered by mutual fund companies. Using SIP one can invest a small amount periodically (weekly, monthly, quarterly) into a selected mutual fund. For retail investors, SIP offers a well-disciplined and passive approach to investing, to create wealth in long term (using the power of compounding). Since the amount is invested on regular intervals (usually on monthly basis), it also reduces the impact of market volatility.

This calculator helps you calculate the wealth gain and expected returns for your monthly SIP investment. You get a rough estimate on the maturity amount for any monthly SIP, based on a projected annual return rate.


Benefits of SIP as compare to Lump sumps investment

  • You don’t need to speculate or focus on timing the market (which isn’t the right way for generating returns over the long term)
  • The amount is invested on monthly basis, so there is little to no impact on market volatility (unit cost averaging)
  • A passive and automated (monthly installments can be deducted automatically) approach makes you more committed to guaranteed saving/investment
  • It’s very flexible – you can create/update/cancel SIP anytime. Most of the funds start as low as Rs. 1000 per month

If you’re not sure where to start or how to pick a mutual fund, then you should check out the Top 10 Mutual funds listed there, from various fund classes(Debt, Liquid, Large Cap, Small & Mid Cap, ELSS, etc), based on the recent performance (last 5 years) and CRISIL Ratings.