Systematic Investment Plan (SIP)

Investing small amounts regularly through SIPs has become a popular way to build wealth over time. But figuring out how much your money could grow? That’s where things get tricky especially when you factor in compounding, varying returns and years of contributions. An SIP calculator does the heavy lifting for you, showing how your disciplined investments could multiply in the future.

What is an SIP Calculator?

A Systematic Investment Plan (SIP) calculator is a simple online tool that estimates the future value of your regular investments. It factors in three key things:

• How much you invest monthly/quarterly
• Your expected annual return rate
• How long you stay invested

Unlike manual math, it handles compounding interest automatically turning guesswork into a clear projection.

How to Use This SIP Calculator

Just 3 steps to see your potential wealth:

1. Enter your SIP amount: Monthly or quarterly contribution (e.g., ₹5,000).
2. Set your timeline: How many years you plan to invest (e.g., 15 years).
3. Add expected returns: A realistic annual return % based on historical trends (e.g., 12%).

Instantly see your total investment, estimated value and profit!

Why SIPs Work So Well

• Compounding magic: Your earnings generate more earnings over time.
• Discipline made easy: Automate investing, even with small amounts.
• Beat market swings: Invest regularly to average out price highs/lows.

When Should You Use This Calculator?

• Planning goals (retirement, home, education)
• Testing "what if" scenarios (e.g., "What if I invest ₹2,000 more monthly?")
• Understanding how time and returns impact growth

SIP vs. Lumpsum: What’s the Difference?

• SIP: Smaller, regular investments (easier on your budget, less risky).
• Lumpsum: One-time large investment (needs timing the market).

The calculator focuses on SIPs, ideal for most long-term investors.