SIP Calculator
Calculate SIP returns and see how your money grows over time
SIP Returns
Investment vs Returns
Why Start a SIP?
SIP investments benefit from rupee-cost averaging โ you buy more units when markets fall and fewer when markets rise. Over time, this averages out market volatility and reduces risk.
Even a small Rs.1,000/month SIP at 12% for 20 years grows to over Rs.9.9 lakh on an investment of just Rs.2.4 lakh โ a 4x return!
Frequently Asked Questions
SIP (Systematic Investment Plan) is a method to invest a fixed amount in mutual funds regularly โ monthly or quarterly. It benefits from rupee-cost averaging and compounding.
SIP returns use compound interest with monthly contributions. The formula accounts for each installment growing for a different period.
Large-cap equity funds have historically delivered 10-14% CAGR over 10+ years. 12% is a reasonable average assumption for long-term SIPs.
XIRR is the actual annualized return considering the timing of your investments. It is more accurate than simple annual return for SIPs.