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SIP Calculator

Calculate your Systematic Investment Plan (SIP) returns. See how regular monthly investments grow over time with compound interest and plan your wealth creation journey.

Enter the amount you want to invest every month
Expected annual return on your investment
How long you want to invest
Select whether period is in years or months
How often you want to invest
Advanced Options
When you want to start investing
Annual increase in investment amount
For real returns calculation

Final Amount

Total Investment
Total Returns
Real Returns
Annualized Return
Total Payments

Step-up SIP Benefits

Extra Amount Earned
Extra Investment

Year-by-Year SIP Progress

Year Opening Balance Investment Returns Closing Balance Annual Return Total Returns

Important Assumptions

This calculator uses standard SIP formulas and assumes consistent monthly investments with compound interest.

It does not account for market volatility, variable returns, fund management fees, exit loads, or tax implications that may affect actual returns.

SIP performance depends on market conditions and fund selection.

Always consult with financial advisors for personalized investment advice.

Frequently Asked Questions

SIP (Systematic Investment Plan) is an investment strategy where you invest a fixed amount regularly in mutual funds or other investment instruments.

SIP works on the principle of rupee cost averaging. You invest a fixed amount regularly, buying more units when prices are low and fewer when prices are high.

Step-up SIP allows you to increase your investment amount annually by a fixed percentage, helping you invest more as your income grows.

Choose monthly for regular investments, quarterly for larger amounts, or annually for lump sum investments. Monthly SIPs are most common.

SIP returns depend on the rate of return, investment period, frequency, and market conditions. Longer periods generally provide better returns.