📈 Investment
SIP Calculator
Calculate your Systematic Investment Plan (SIP) returns. See how monthly investments grow into wealth through the power of compounding.
SIP Details
₹500₹1 L
1%30%
1 yr40 yrs
Maturity Value
₹--
estimated corpus
Total Invested--
Wealth Gained--
Absolute Return--
XIRR (approx)--
Invested vs Returns
Invested
Returns
Formula
M = P × [((1+r)n − 1) / r] × (1+r)
P = Monthly SIP amount r = Monthly rate (Annual% ÷ 12 ÷ 100) n = Total months
P = Monthly SIP amount r = Monthly rate (Annual% ÷ 12 ÷ 100) n = Total months
The SIP formula calculates future value of equal monthly investments compounded monthly. Returns shown are pre-tax estimates. Actual returns depend on market performance.
Year-wise Growth
| Year | Invested | Returns | Total Value |
|---|
Frequently Asked Questions
SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. Instead of timing the market, SIP uses rupee-cost averaging — you buy more units when prices are low and fewer when high.
Nifty 50 has delivered ~12-13% CAGR over the last 20 years. However, past returns don't guarantee future performance. For equity funds, 10-12% is a commonly used long-term estimate. For debt funds, use 6-7%.
Equity mutual fund gains held over 1 year are taxed at 10% LTCG above ₹1 lakh per year. Short-term gains (under 1 year) are taxed at 15%. Debt fund gains are taxed as per your income tax slab.