A SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds, enabling rupee-cost averaging and compounding for long-term wealth creation.

How much should I invest through SIP?

There is no one-size-fits-all amount. Start with an amount you can comfortably save (even ₹500/month), then increase it over time using a step-up plan as your income grows. Use goal-based planning to choose the right SIP amount.

Can I stop or increase a SIP later?

Yes. SIPs are flexible — you can pause, stop, increase, or decrease them as per your requirement (subject to scheme rules). It is recommended to review annually rather than react to short-term market movements.

SIP Investment Calculator

Plan your financial future with our advanced Systematic Investment Plan calculator

Monthly Investment

₹100 ₹1,00,000

Investment Period (Years)

1 Year 30 Years

Expected Annual Return

1% 30%

Annual Step-Up (%)

0% 20%

Total Investment

₹21,93,000

Amount you invested

Estimated Returns

₹50,27,945

Profit from your investment

Total Value

₹72,20,945

Final maturity amount

Annualized Return

12.00%

Average annual return

Investment Growth Over Time

Investment Breakdown

Monthly SIP Calculation

Year	Month	Investment (₹)	Returns (₹)	Total Value (₹)

What is SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly (usually monthly) into a mutual fund. Instead of timing the market or investing a lump sum, SIPs promote discipline and benefit from rupee-cost averaging and compounding — two powerful forces for long-term wealth creation.

Key benefits of SIP

Affordable & flexible: Start small (even ₹500/month) and increase or pause anytime.
Rupee-cost averaging: Buy more units when prices fall and fewer when prices rise, lowering average cost over time.
Power of compounding: Reinvested returns generate returns of their own — the earlier you start, the better.
Automated discipline: Auto-debits enforce regular saving and investing habits.
Goal-based planning: Use SIPs for retirement, education, house downpayment, travel and more.

How SIP works — simple example

Suppose you invest ₹10,000 per month for 15 years with an assumed annual return of 12%. Using a step-up or fixed SIP, your small monthly contributions can compound over time to create a substantial corpus. (Example estimate: ≈ ₹72,20,945 — this is an illustration and actual returns will vary.)

How to start a SIP (step-by-step)

Define your goal: Know what you’re saving for and the time horizon (short, medium, long).
Choose the fund type: Equity for long-term growth, debt for stability, or hybrid for balance.
Complete KYC: PAN, Aadhaar (if required), and bank details to enable auto-debit (NACH mandate).
Select SIP amount & date: Pick a monthly amount and a date for auto-debit that fits your cash flow.
Set step-up (optional): Choose an annual increase to grow your SIP as your income rises.
Monitor & review: Review performance annually and rebalance if needed to stay aligned with goals.

Tips for better SIP planning

Start early to maximise compounding — time in market beats timing the market.
Increase monthly SIPs gradually (step-up) rather than stopping them during market volatility.
Diversify across fund categories and avoid frequent switching based on short-term noise.
Use goal-based allocation: link specific SIPs to specific goals and horizons.

Quick example (illustration only)

Invest ₹10,000/month for 15 years at an assumed 12% annual return — estimated final value: ≈ ₹72,20,945. This uses monthly compounding and is a hypothetical illustration; actual returns depend on market performance.

Why use this SIP calculator?

Our calculator helps you estimate future value, view annual growth, explore step-up scenarios, and download monthly schedules so you can plan with clarity and confidence.

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