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💰 SIP Calculator

Calculate how much corpus your monthly SIP will build over time. Based on the standard SIP formula used by all Indian mutual fund calculators.

Estimated Corpus
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Total Investment—
Estimated Returns—
Wealth Gained—
Total Months—

SIP tips

  • ₹5,000/month at 12% for 20 years → ~₹50 lakh corpus
  • Step-up SIP: increase by 10% each year → corpus doubles vs flat SIP
  • Index funds (Nifty 50, Nifty Next 50) have averaged 12–15% over 20 years
  • Start early — even ₹1,000/month from age 22 beats ₹5,000/month from 30
⚠️ Returns are estimates. Mutual fund investments are subject to market risk.

What is a SIP?

SIP stands for Systematic Investment Plan. It means investing a fixed amount every month in a mutual fund — regardless of market conditions. Over time, this builds significant wealth through the power of rupee cost averaging and compounding.

For example: ₹5,000/month for 20 years at 12% annual return gives a corpus of over ₹49 lakh — from a total investment of only ₹12 lakh. The remaining ₹37 lakh is pure returns from compounding.

How to Use This Calculator

  1. Enter your monthly SIP amount — the fixed amount you will invest each month
  2. Set the expected annual return — Nifty 50 has averaged ~12-13% over 20 years
  3. Enter the investment duration in years
  4. Click Calculate to see your estimated corpus, total invested, and wealth gained

Frequently Asked Questions

What is a good SIP amount to start with?

You can start with as little as ₹500/month. However, ₹5,000/month in an index fund like Nifty 50 for 15–20 years is considered a solid long-term plan for wealth creation.

What return rate should I use for SIP calculation?

For Nifty 50 index funds, a conservative estimate of 10–12% p.a. is commonly used. For actively managed large-cap funds, 12–15% p.a. For mid-cap/small-cap, 15–18% p.a. (with higher risk).

Is SIP better than lump sum investment?

SIP is generally better for regular salaried investors because it removes the risk of timing the market. Lump sum can outperform if invested at a market bottom, but SIP gives consistent results over long periods.

Related calculators: Compound Interest → P&L →

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