SIP Calculator
Calculate your Systematic Investment Plan returns. Plan your mutual fund investments and estimate your wealth creation.
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Frequently Asked Questions
What is SIP?
SIP stands for Systematic Investment Plan. It allows investors to invest a fixed amount regularly in mutual funds, typically on a monthly basis, rather than making a lump sum investment.
How is SIP return calculated?
SIP returns are calculated using the future value of annuity formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r), where P is monthly investment, r is monthly return rate, and n is number of months.
What is a good return rate for SIP?
Historical SIP returns in India have ranged from 10-15% p.a. for equity funds. Debt funds typically offer 6-8% p.a. The actual return depends on market conditions and fund performance.
Can I pause my SIP investments?
Yes, most mutual funds allow SIP pause for 1-3 months. Some funds also offer a step-up feature where you can increase your SIP amount periodically.
What is the minimum SIP amount in India?
The minimum SIP amount in India varies by fund, but most funds allow SIP starting from ₹500 per month. Some funds also offer SIP with as low as ₹100.