SIP Calculator
Let systematic investing grow your wealth while you focus on what matters. Plan your regular investments that work quietly in the background to build your wealth
Inflation adjusted value of ₹0 in 2050 would be ₹2.06Cr
Inflation adjusted value of ₹0 in 2050 would be ₹2.06Cr
Power of systematic investments
Build a habit of saving
By setting aside a fixed amount each month, you can cultivate a regular habit of saving and investing over time
Have flexibility to start small
Start investing with small amount as low as Rs 100, to build your investment portfolios without the need for a large initial investment.
Benefit from power of compounding
SIPs unlock the power of compounding by reinvesting returns, enabling your money to grow substantially over time.
How to start an SIP today?
To begin your SIP journey, here are the steps you can take:
Open your account with any digital platform
All major digital platforms including platforms like: Coin, Groww, Kuvera, Dhan offers option to start SIP
Select the Right Fund
Look for funds that align with your investment goals, risk tolerance, and minimum investment amount.
Set up SIP & start investing
Once you've chosen the fund, specify the SIP amount, set your SIP start day, and you're all set!
Frequently Asked Questions
A SIP calculator is a helpful and illustrative online tool that lets you see how much your investments could grow over time based on the different parameters. This simple and free tool helps you make smart investment decisions by estimating the potential future returns based on your inputs.
Let's take a an example of a SIP Calculator:
Rahul is a 28-year-old software developer who wants to start investing for his retirement. He decides to invest ₹15,000 monthly into a mutual fund product using a Systematic Investment Plan (SIP) with an expected interest rate of 12% per annum till his retirement (say for 37 years)
Using the SIP Calculator, Rahul will get the following results:
- Invested value: ₹66,60,000
- Estimated returns at 12% CAGR: ₹11.75Cr
- Estimated Value in 37 years: ₹12.41Cr
The formula used by the SIP calculator is:-
FV = A × ({[1 + r]n– 1} / r) × (1 + r)
FV = Future value
A = Entered monthly SIP amount
r = Entered Rate of Return in %
n = Number of installments
To begin your SIP journey, here are the steps you can take:
- Open your account with any Mutual Fund Digital Platform: All major digital platforms including platforms like: Coin, Groww, Kuvera, Dhan offers option to start SIP
- Select the Right Fund: Look for funds that align with your investment goals, risk tolerance, minimum investment amount, etc
- Set Up SIP & Start Investing: Once you've chosen the fund, specify the SIP amount, set your SIP start day and frequency, and you're all set!
Every mutual fund scheme has a defined minimum amount of investment required for SIP. Please refer to the respective scheme's documents for details.
Micro SIPs are SIP investments with a small monthly amount, typically starting at just ₹100
Micros SIPs are ideal for investors with limited budgets, allowing building an investment portfolio with small, regular investments. Micro SIPs let you reap the benefits of compounding while staying within your financial budget.
A Step-up SIP is a smart investment strategy that allows you to incrementally increase your SIP investment amount over time. Example,
Say, Initial SIP Amount: Rs. 1,000
If we add, Annual Step-up: 10%
Year 1 SIP amount: Rs. 1,000 per month
Year 2 SIP amount: Rs. 1,100 per month (10% increase)
Year 3 SIP amount: Rs. 1,210 per month (10% increase)
Year 4 SIP amount: Rs. 1,331 per month (10% increase)
Year 5 SIP amount: Rs. 1,464 per month (10% increase)
This will allow you to gradually increase your investment amount, potentially helping you:
- Align investments with potential income growth
- Build a larger corpus over time
- Leverage the power of incremental investing
Inflation is the gradual increase in prices of goods and services over time, effectively reducing the purchasing power of money. If your investments don't grow faster than the inflation rate, your actual purchasing power decreases.
You can go for Step-up SIPs or periodically increase your investment to stay ahead of inflation's impact
SIP Calculator
