Advanced SIP Calculator
Calculate your Mutual Fund SIP returns with our powerful and accurate calculator
Calculate Your SIP Returns
Fill in the details below to calculate your Systematic Investment Plan maturity amount
Your SIP Returns
Estimated Maturity Value
₹11,61,695
You will earn ₹6,61,695 on your investment
Total Investment
₹5,00,000
Wealth Gained
₹6,61,695
Expected Returns
12%
Investment Period
10 Years
Accurate Projections
Our calculator uses advanced algorithms to provide precise maturity amount projections for your SIP investments.
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Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where an investor contributes a fixed amount of money at regular intervals (typically monthly) rather than making a lump-sum investment. This approach helps in averaging the purchase cost of mutual fund units through a concept called rupee cost averaging and promotes disciplined investing.
How is SIP calculated?
The formula to calculate SIP maturity value is: FV = P × [((1 + i)^n - 1) / i] × (1 + i)
Where:
FV = Future value or Maturity value
P = Amount invested at regular intervals
i = Periodic interest rate
n = Total number of payments
This formula assumes that the investment is made at the beginning of each period.
Where:
FV = Future value or Maturity value
P = Amount invested at regular intervals
i = Periodic interest rate
n = Total number of payments
This formula assumes that the investment is made at the beginning of each period.
What is the minimum amount to start a SIP?
The minimum amount required to start a SIP varies across mutual fund houses and schemes. Generally, you can start a SIP with as low as ₹100 or ₹500 per month. Some funds may have higher minimum investment requirements. The low entry point makes SIP an accessible investment option for investors across income levels.
Are SIP returns guaranteed?
No, SIP returns are not guaranteed. Mutual fund investments, including SIPs, are subject to market risks. The returns depend on the performance of the underlying assets in the mutual fund portfolio. While historical performance can give an indication of potential returns, it does not guarantee future performance. Equity-oriented SIPs tend to provide higher returns over the long term but come with higher volatility.
What is SIP step-up?
SIP step-up is a feature that allows you to increase your SIP amount periodically, typically annually. For example, if you start with a ₹5,000 monthly SIP and opt for a 10% step-up, your SIP amount will increase to ₹5,500 in the second year, ₹6,050 in the third year, and so on. This helps in accelerating wealth creation by aligning your investments with your growing income.
Which is better - SIP or lump sum investment?
Both SIP and lump sum investments have their advantages:
SIP is better if:
- You have a limited amount to invest regularly
- You want to reduce the impact of market volatility through rupee cost averaging
- You want to cultivate a disciplined investment habit
Lump sum is better if:
- You have a large amount to invest at once
- You believe the market is at a low point and poised to grow
- You're comfortable with higher risk for potentially higher returns
Many financial advisors recommend a combination of both approaches based on your financial situation and market conditions.
SIP is better if:
- You have a limited amount to invest regularly
- You want to reduce the impact of market volatility through rupee cost averaging
- You want to cultivate a disciplined investment habit
Lump sum is better if:
- You have a large amount to invest at once
- You believe the market is at a low point and poised to grow
- You're comfortable with higher risk for potentially higher returns
Many financial advisors recommend a combination of both approaches based on your financial situation and market conditions.
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