Ever tried predicting how much your ₹5,000 monthly investment will grow in 15 years? That’s where a SIP calculator becomes your secret weapon.
This tool takes away the guesswork. You plug in your monthly investment, time horizon, and expected returns — and boom, it shows you how rich your future self could be.
SIP CALCULATOR
| Duration | SIP Amount (₹) | Future Value (₹) |
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Understanding SIP (Systematic Investment Plan)
A SIP is like setting up auto-pay for your future. You invest a fixed amount in mutual funds at regular intervals, usually monthly.
Think of it as feeding a money plant. Small, regular sips turn into a waterfall of wealth over time.
Why Use a SIP Calculator?
Because eyeballing numbers doesn’t cut it. You need accuracy.
SIP calculators show you exactly how your investments will grow. They help you make better decisions — like whether to invest more or for longer.
And if you’re aiming for a specific goal — say, a house, retirement, or that dream Europe trip — it helps you reverse-engineer how much you need to invest now.
Types of SIP Calculators Explained
Not all SIPs are created equal. And neither are calculators.
Regular SIP Calculator
This is your go-to if you invest a fixed amount every month. It calculates the future value based on the same monthly input, period, and CAGR.
Perfect for beginners who just want to get started.
Step-Up SIP Calculator
Got a salary that grows each year? Use this.
Step-up SIP lets you increase your SIP amount yearly. The calculator adjusts your final return based on this yearly hike. Smart, right?
Inflation-Adjusted SIP Calculator
Inflation eats your money silently. This calculator fights back.
By adjusting for inflation (say 6% per year), it shows the real worth of your returns. Because ₹1 crore in 2040 isn’t the same as ₹1 crore now.
Lumpsum Calculator
Planning to dump ₹5 lakhs in one go instead of monthly SIPs?
This calculator shows how much that one-time investment will grow over time. Useful for bonuses, inheritance, or matured FDs.
How to Use Our SIP Calculator (Tutorial)
Using our calculator is easier than making Maggi.
Step-by-Step Guide to Calculating SIP Returns
- Enter your monthly investment (₹)
- Choose the number of years you’ll invest
- Set your expected annual return (CAGR)
- Click calculate. That’s it!
Example Calculation
Say you invest ₹10,000/month for 20 years with 12% CAGR.
Total Invested: ₹24,00,000
Wealth Gained: ₹56,08,946
Future Value: ₹80,08,946
Yes, compounding is magic.
Visualize Returns with Charts
Our tool shows beautiful charts — bars for year-wise growth and a pie chart for investment vs. return.
Seeing your money grow visually is addictive.
Comparing Regular SIP vs. Step-Up SIP vs. Lumpsum
Want to see which strategy wins?
Try running all three on our tool side by side. You’ll be surprised how even a 10% yearly hike changes the game.
Unique Features of Our SIP Calculator Tool
This isn’t just another calculator — it’s built for real investors.
Built for Young Indian Investors
Ages 15 to 45, mobile-friendly, lightning-fast, and ad-free.
We know what today’s investor needs. This tool works seamlessly on phones and loads in seconds.
Step-Up SIP for Growing Income
Your salary grows. So should your SIP.
Just enter your yearly increment (e.g., 10%) and let the calculator show your upgraded wealth forecast.
Inflation-Adjusted SIP for Realistic Planning
This is financial planning with your eyes open.
You set your inflation rate (5–7% typical in India) and the calculator subtracts it from your final return — giving you real-world purchasing power.
Lumpsum SIP Comparison
Compare a one-time investment vs. monthly SIPs over the same period.
Sometimes, that Diwali bonus or property sale can work harder than expected.
Save & Share Functionality
Get your results in a sharable PDF.
Email it, WhatsApp it, or print it. Because numbers speak louder when backed by a chart.
Ad-Free, Fast & Secure
No ads. No distractions. Just pure calculation bliss.
We don’t track or store any of your inputs. Your privacy stays intact.
Why SIP is the Smart Way to Invest in India
Indians love fixed deposits. But SIPs? They outshine FDs — by a mile.
Power of Compounding Over Time
The earlier you start, the bigger the boom.
Start at 25 with ₹5,000/month, you could be sitting on ₹1 crore by 45. Start at 35 and you’ll have less than half of that.
Rupee Cost Averaging
You buy more units when the market is low and fewer when it’s high.
Over time, this averages out your cost — which means better returns with lower risk.
Easy to Start and Manage
Even a student with ₹500/month can start.
No paperwork, no brokers, and everything’s digital. It’s investing on autopilot.
Disciplined and Automated Investing
SIPs teach patience. They remove emotion from investing.
Once set, your investments happen like clockwork — even when markets are crazy.
Case Studies from Real SIP Investors
Nothing hits harder than real-life stories.
Case Study 1 – ₹2,000 SIP Started at Age 20
By 40, that ₹2,000/month turned into ₹30 Lakhs.
He didn’t increase the amount. Just stayed consistent. That’s the power of discipline.
Case Study 2 – Step-Up SIP of ₹5,000 + 10% Annual Hike
Started at 25. After 15 years, the total corpus hit ₹75 Lakhs.
That small 10% hike made a huge difference in the long run.
Case Study 3 – Inflation Adjusted SIP vs Regular SIP
₹5,000/month for 20 years looked like ₹80L on paper.
But after adjusting for 6% inflation, real value dropped to ~₹35L. That’s why inflation matters.
Mistakes to Avoid While Using SIP Calculators
Even great tools can give wrong results — if you use them wrong.
Ignoring Inflation Impact
Your money may grow, but so will prices. Don’t ignore this while planning.
Overestimating Expected Return
Don’t assume 18% CAGR unless you’ve got Warren Buffett’s skills.
Stick to 10–12% for equity SIPs. Keep it real.
Short-Term Horizon with Unrealistic Expectations
SIPs shine over 10–20 years. Expecting ₹1 Cr in 5 years from ₹5K/month? That’s fantasy land.
Not Reviewing SIP Performance Annually
Your goals and income will change. Review and tweak your SIPs every year.
SIP Calculator vs Other Investment Tools
SIPs aren’t the only option — but they’re the most beginner-friendly.
SIP Calculator vs Lumpsum Calculator
Lumpsum works best when you have idle cash. SIP suits regular income earners.
Use both together for best results.
SIP Calculator vs FD/RD Calculator
FDs are safe but boring. SIPs are volatile but wealth builders.
RDs lack equity exposure. SIPs bring growth. Simple.
SIP vs Mutual Fund Returns
SIP is just the method. Mutual funds are the vehicle.
Even with the same fund, SIP returns differ based on entry points and consistency.
SIP vs NPS & PPF for Long-Term Growth
NPS has tax perks but withdrawal rules.
PPF is super safe but capped. SIP wins in flexibility and returns.
Competitor Comparison Table
We tested other tools. Most look good. But ours is built different.
Comparing Features with Other Tools
Groww – Fast, but no inflation calculator.
AngelOne – Detailed, but no step-up SIP.
ETMoney – Sleek, but ads everywhere.
SBISecurities, ICICI, Dhan, Bajaj, ClearTax – All decent, but lack real customization.
What Makes Our Calculator Unique
✅ Step-Up SIP
✅ Inflation Adjustment
✅ Lumpsum SIP
✅ Mobile-First
✅ Shareable
SIP Calculator FAQs
How accurate is the SIP calculator?
This calculator gives an estimated return based on assumed rates of return. Actual return may vary depending on market conditions and the performance of the mutual fund.
Can I use the SIP calculator for all types of mutual funds?
Yes, the calculator can help you estimate returns for equity, debt, and hybrid mutual fund schemes.
What is the difference between monthly SIP and lump sum investment?
Monthly SIP contributions are made periodically, whereas lump sum investments are made at once. Both have their own advantages depending on financial goals.
Is the SIP calculator free to use?
Yes, the SIP calculator is a free online tool available for everyone.
Can I change my SIP amount over time?
Yes, most mutual funds allow you to increase your SIP amount as per your financial capability.
How do I choose the right mutual fund for my SIP?
Consider factors like fund performance, expense ratio, risk appetite, and investment objectives.
Why should I increase my SIP amount every year?
Increasing your SIP regularly helps you invest more as your income grows, ensuring your savings stay ahead of inflation and help you reach bigger goals faster.
How does inflation affect my investments?
Inflation reduces the value of money over time. What costs ₹1,000 today might cost ₹1,500 in a few years. An inflation-adjusted SIP makes sure you invest enough to meet future needs.
Is it better to invest a lump sum or stick to SIPs?
A lump sum investment can give higher returns if invested at the right time, but SIPs help manage market ups and downs, giving you a more balanced approach. The best option? A mix of both!
When should I step up my SIP?
A good time to step up your SIP is when you get a salary hike or an annual bonus. Even a small increase can have a big impact in the long run.
Conclusion
This calculator is an essential online financial tool that simplifies investment planning for individuals looking to invest in mutual funds. By using an this calculator, you can calculate SIP investment returns, estimate future value, and make informed investment decisions.
SIP investment is a great strategy that ensures long-term wealth creation and financial stability. Whether you are investing for your child’s education, retirement, or any other financial goal, starting an SIP today can help you achieve it effectively.
Start your SIP investment today and achieve your financial goals with ease. Use the SIP calculator to get an estimate and plan your investment wisely.
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