Investment Calculator
Calculate returns on SIP or Lumpsum investments
Investment Details
Investment Summary
Total Investment
₹600,000
Estimated Returns
₹561,695.382
Future Value
₹1,161,695.382
What is SIP?
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. It's like a recurring deposit but with market-linked returns. SIP helps you invest disciplined and benefit from rupee cost averaging.
Key Benefits
• Rupee Cost Averaging: Buy more units when prices are low, fewer when high
• Disciplined Investing: Automated monthly investments build wealth systematically
• Power of Compounding: Returns generate returns over long periods
• Flexibility: Start with as low as ₹500, increase or pause anytime
Investment Formula
SIP Future Value: FV = P × [(1 + r)^n - 1] / r × (1 + r)
Where P = Monthly investment, r = Monthly return rate, n = Number of months
Pro Tips
• Start Early: Even small amounts grow significantly over 15-20 years
• Stay Invested: Don't stop SIP during market falls - that's when you buy cheap
• Diversify: Invest across large-cap, mid-cap, and debt funds
• Review Annually: Check fund performance and rebalance if needed
Frequently Asked Questions
What happens if I miss a SIP installment?
Mutual fund houses typically do not penalize you for missing a SIP installment. Your existing investments will continue to grow. However, your bank might charge a fee for a failed auto-debit if your account has insufficient balance.
Can I increase my SIP amount later?
Yes! A "Step-up SIP" allows you to automatically increase your SIP contribution by a fixed percentage or amount every year securely, matching your salary increments.