📈 Investment Tools

SIP Calculator — See Your Mutual Fund Grow

Calculate how your monthly SIP grows over time. Visualize invested amount vs returns.

📊 SIP Details

📅 Year-by-Year Growth

YearInvestedReturnsTotal Value
Total Corpus
₹0
after 10 years
₹0
Total Invested
₹0
Est. Returns
0%
Total Gain
₹0
Monthly SIP
Growth chart — blue = invested, orange = returns

What is SIP and How Does It Work?

SIP (Systematic Investment Plan) lets you invest a fixed amount in mutual funds every month. Instead of investing a large lump sum, you invest small amounts regularly — as low as ₹500/month. Over time, compounding and rupee cost averaging make this one of the most effective ways to build wealth.

Power of Compounding: ₹5,000/month at 12% for 20 years = ₹49.9 lakhs total corpus from just ₹12 lakhs invested. Your money nearly 4x.

Rupee Cost Averaging: When markets fall, your fixed SIP buys more units. When markets rise, your units are worth more. Over time this averages your cost and reduces risk.

Tax on SIP Returns: Equity mutual fund gains held over 1 year are taxed at 10% LTCG above ₹1 lakh/year. Debt fund gains are added to income and taxed at slab rate.

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Kaise use karein

  1. Monthly SIP amount enter karein.
  2. Expected annual return aur investment period set karein.
  3. Optional: step-up SIP percentage add karein.
  4. Total corpus aur gain instantly calculate hoga.

Privacy & security

Compounding ka actual impact manually calculate karna impossible hai. Yeh tool exactly dikhata hai ki aaj ki SIP 10-20 saal mein kitni ban sakti hai.

Common use cases

Retirement planning, child education fund, home down payment — SIP start karne se pehle realistic goal set karein.