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SIP Calculator

₹15,000
12%
20 Years
Total Invested
₹36,00,000
Estimated Returns
₹1,42,00,000
Total Corpus
₹1,78,00,000

Wealth Growth Over Time

Investment Breakdown

Understanding SIP

What is a Systematic Investment Plan?

A disciplined, powerful way to build wealth steadily over time — favored by smart investors worldwide.

📅

Disciplined Investing

Invest a fixed amount every month automatically. Removes emotional decisions and builds financial discipline effortlessly.

📊

Rupee-Cost Averaging

Buy more units when markets are low and fewer when high. This averages your purchase cost and reduces timing risk.

🚀

Power of Compounding

Your returns generate more returns. Over decades, compounding creates exponential growth — turning small investments into large corpuses.

The Magic

Power of Compounding

See how a modest monthly investment grows into a substantial corpus over time through the magic of compounding.

₹15,000/month at 12% over 30 years

Comparison

SIP vs Fixed Deposit

Why SIP in mutual funds typically outperforms traditional fixed deposits over the long term.

📈 SIP (12% p.a.)

₹15,000/month for 20 years

₹1.78 Cr

Higher growth potential

🏦 Fixed Deposit (6% p.a.)

₹15,000/month for 20 years

₹69.8 L

Lower but guaranteed returns

Strategy

SIP vs Lumpsum

Understanding the difference between regular investing and one-time investment.

₹36 Lakhs total outlay — SIP vs Lumpsum (12% p.a., 20 years)

Questions

Frequently Asked Questions

A Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds where you invest a fixed amount regularly — typically monthly. It averages out market volatility through rupee-cost averaging and harnesses the power of compounding over time. SIPs are ideal for salaried individuals looking to build long-term wealth.
Compounding in SIP works by reinvesting your returns to generate additional returns. As your investment grows, the returns themselves start earning returns, creating an exponential growth curve. The longer you stay invested, the more powerful compounding becomes — this is why starting early is crucial.
Step-up SIP allows you to increase your monthly investment amount annually, typically by 5-10%. This aligns with your growing income and significantly boosts your final corpus. Even a 10% annual step-up can nearly double your wealth over 20 years compared to a regular SIP.
Inflation erodes the purchasing power of your money. If your SIP earns 12% annually but inflation is 6%, your real return is approximately 5.66%. Our calculator includes an inflation toggle so you can see both nominal and inflation-adjusted returns for realistic financial planning.
SIP reduces timing risk through rupee-cost averaging, while lumpsum exposes your entire capital to market timing. SIP is ideal for salaried individuals building wealth steadily. Lumpsum can be advantageous if you have a large corpus and markets are at a low point. Many investors use both strategies.