Educational analytics only — not investment advice or trading signals. Read disclaimer.
Free Financial Tool

SIP Calculator

Estimate the future value of your monthly investments

Plan your financial future with our simple SIP calculator. See how regular monthly investments can grow over time with the power of compounding.

Calculate Your SIP Returns

₹

Understanding SIP

Disciplined Investing

SIP encourages regular, automated investments regardless of market conditions, helping you avoid emotional decisions and build wealth systematically.

Power of Compounding

Your returns generate their own returns over time. The longer your investment horizon, the more powerful compounding becomes.

Rupee Cost Averaging

Investing the same amount regularly means you buy more units when prices are low and fewer when high, potentially reducing average cost per unit.

Affordable Start

You don't need a large lump sum to begin. Many mutual funds allow SIPs starting at ₹500-1,000 per month, making investing accessible to everyone.

Take Your Investment Strategy Further

Use StratLab to backtest real Indian stock strategies with historical data, custom parameters, and realistic tax assumptions

Start Free Backtesting Now

Frequently Asked Questions

A SIP is a method of investing a fixed amount regularly (usually monthly) in mutual funds. Instead of investing a large lump sum, you invest smaller amounts consistently over time, which helps build discipline and benefit from rupee cost averaging.

Historical equity mutual fund returns in India have ranged from 10-15% over long periods, but past performance doesn't guarantee future results. Market conditions vary, and returns can be higher or lower. Always use conservative estimates and consult a financial advisor for personalized advice.

Taxes depend on the type of fund and holding period. Equity funds held for more than 1 year qualify for long-term capital gains (LTCG) tax at 10% above ₹1 lakh gains. Short-term gains are taxed at 15%. Debt funds have different tax rules. This calculator doesn't include taxes—consult a tax professional for precise calculations.

Yes, most mutual funds allow you to increase, decrease, pause, or stop your SIP at any time. Some funds also offer a "step-up SIP" feature where your investment amount automatically increases by a fixed percentage each year, helping you invest more as your income grows.