SIP Calculator: Build Wealth with Regular Investments
Our SIP Calculator shows future value, wealth gained, and compares SIP vs Lump Sum.
What is SIP?
Systematic Investment Plan = Regular fixed investments in mutual funds.
Benefits
- Rupee Cost Averaging
- Disciplined investing
- Power of compounding
- Lower entry barrier
Formula
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Where P = monthly investment, r = monthly rate, n = total months
Example: ₹5,000/month, 12%, 10 yrs
- FV: ~₹11.6 lakh
- Invested: ₹6 lakh
- Gain: ~₹5.6 lakh
- Return: 93%
SIP vs Lump Sum
SIP reduces risk via averaging. Often outperforms in volatile markets.
Pro Tips
- Start early
- Step-up SIP annually
- Stay invested 7+ years
- Use with FV
Limitations
- Assumes constant return
- No exit load/taxes
- Historical ≠ future
Conclusion
Invest smart. Use our SIP Calculator today.