SIP Calculator
Plan systematic investments with projected returns, total value, and wealth accumulation over time.
FAQ
SIP Calculator FAQ
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. It helps in rupee cost averaging and building wealth over time through compounding.
How is SIP return calculated?
The formula is: M × ((1+r)^n - 1) / r × (1+r), where M is monthly investment, r is monthly return rate (annual/12/100), and n is total months. It assumes returns are compounded monthly.
Are the returns guaranteed?
No. SIP returns shown are estimates based on the expected annual return rate you enter. Actual mutual fund returns vary based on market performance and are not guaranteed.
What is a good expected return rate to use?
Historically, Indian equity mutual funds have returned 12–15% annually over 10+ years. Debt funds return 6–8%. Use 12% for balanced estimates, but past performance does not guarantee future results.
Is SIP better than lump sum investing?
SIP reduces timing risk through rupee cost averaging — you buy more units when prices are low and fewer when prices are high. It is ideal for salaried individuals investing regularly.
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