Calculate the final value of your monthly SIP investment
Find out how much your SIP will be worth by entering the SIP amount, duration of investment and expected return

₹ 4,31,654
₹ 3,00,000
43.88%
Calculate the SIP amount needed to reach your goal
Enter the amount you need, duration of investment and expected returns to find out the monthly SIP amount you need to invest

₹ 6,173
₹ 5,92,608
68.75%
Calculate the final value of your Top Up SIP
Find out how much your SIP will be worth when you top up it every year by entering the SIP amount, duration of investment , expected return and top up percentage

₹ 1,01,40,439
₹ 38,12,698
165.96%
Calculate the SIP amount (with Top up) needed to reach your goal
Enter the amount you need, duration of investment, expected returns and per year Top up percentage to find out the monthly SIP amount you need to invest

₹ 9,862
₹ 37,60,083
165.95%
Final Value of A SIP - Inflation Adjusted
Find out how much your SIP will be worth after taking inflation into consideration by entering the SIP amount, duration of investment , expected return and expected inflation

₹ 7,03,349
₹ 4,80,000
46.53%
How to use SIP Calculator

• Finding how much will be the value of your SIP

• To find how much your SIP will be worth at the end of the investment period, you have to enter the following details:
• SIP amount
• The number of years for which SIP will be running
• Expected rate of Return

Once you enter these values, you will see the output as the total value of your SIP at the end of the investment period. You can also check the total investment made by you and your gains.

• Finding out how much SIP is needed to achieve your goal

• There can be a case where you want to achieve a particular amount at the end of investment period and you want to find out how much SIP you have to do monthly to achieve the goal. For such a goal, you have to enter below mentioned things in section 2 of the calculator:
• Total amount needed at the end of investment period.
• The number of years to achieve the goal
• Expected returns

Once you enter these values, you will see the output as the SIP amount that you have to invest per month to achieve your goal. You can also check the total investment made by you and your gains.
Top Up SIP
Since every year our income increases, it is important that we increase our investments also by some percentage. Most of the people do this by starting new SIPs every year. This is called Top up SIP. The benefit is that, every year your investment increases and in long term your investment corpus also increases.

• Finding how much will be the value of your Top-up SIP

• To find out how much will be the value of your SIP at the end of the investment period if you increase the SIP amount with a fixed percentage every year; you need to enter following details:
• SIP amount
• The number of years for which SIP will be running
• Expected rate of Return
• Per year percentage increase in SIP

Once you enter these values, you will see the output as the total value of your Top-Up SIP at the end of the investment period. You can also check the total investment made by you and your gains.

• Finding out how much SIP is needed to achieve your goal

• To find out how much SIP you need to start with and increase yearly by a certain percentage to achieve a goal at the end of investment duration, you need to enter following details:
• Total amount needed at the end of investment period.
• The number of years to achieve the goal
• Expected returns
• Per year percentage increase in SIP

Once you enter these values, you will see the output as the SIP amount with which you have to start investing per month and then increase per year by the percentage selected by you to achieve your goal. You can also check the total investment made by you and your gains.

• Finding how much will be the Inflation adjusted value of your SIP

• Due to inflation the value of money decreases. 100 Rs. of today will not be as valuable 20 years later. Hence it is also important to take inflation into account while calculating the value of SIP in future. To find out the inflation adjusted value of your monthly SIP, you need to enter below details:
• SIP amount
• The number of years for which SIP will be running
• Expected rate of Return
• Expected Rate of Inflation

Once you enter these values, you will see the output as the inflation adjusted total value of your SIP at the end of the investment period. You can also check the total investment made by you and your gains.
What is SIP?

SIP is a method of investing in any fund of your choice regularly at an interval of your choice. SIP can be done on Daily, Weekly, Fortnightly, Monthly basis. Most common SIP mode is monthly. In monthly SIP mode, a fixed amount is deducted from your bank account on a fixed date every month and is deposited to the fund chosen by you and the units are allotted to you at that particular day’s NAV.
Benefits of SIP

• Rupee cost Averaging - The best strategy to invest is “Buy low and Sell high”, meaning buy when market is low and sell when market is high. However, due to the volatile nature of the market no one knows that when it is low or when it is high. So, what can investors do? The answer is, they can buy regularly through SIP. In SIP when market is high, you get lower number of units and when market is low, you get higher number of units. This is called rupee cost averaging and it helps you to average out your buying costs.

• Discipline - The most important thing in investment, particularly for Salaried or people having a monthly income is, discipline. Unless you invest regularly, your investment corpus will remain small. SIP gives us the convenience of investing regularly and most importantly, we do not have to do anything as SIP gets automatically debited from our bank account on the chosen date of the month. This inculcates a disciplined approach in our investing.

• Power of Compounding- You must have heard the saying, “Rome wasn’t built in a day”. The same concept applies in wealth creation and achieving our goals. To achieve our goals through regular investment, we have a magical concept of power of compounding in our support. Power of compounding helps us when we invest for a long term and due to compounding nature of the returns, we can create a large corpus if we stay invested for a long term. For example, a monthly SIP of 5000 Rs. for 20 years, will give you 51.4 lakhs, however, if you invest just for 15 years, the amount will be considerably less at 25.66 lakhs.
Best funds for SIP

There are many different categories of mutual funds and all of them have some good funds where you can do SIP. You can click on the fund names and check more details about the fund.