Calculator
Plan your SIP journey
Compare monthly contributions, expected returns, and tenure to see how quickly you can reach your goals.
Discipline
Automate monthly investing to stay on track.
Goals
Map SIP maturity to education, retirement, or wealth targets.
Monitoring
Adjust inputs anytime to stress test your plan.
Inputs
Personalise your SIP plan
Adjust the sliders or enter exact values to see your maturity corpus.
Goal for this SIP
Build long-term wealth through disciplined equity mutual fund SIPs.
Monthly investment
Amount you plan to invest every month.
Expected annual return (%)
Average annualised return you expect from the SIP.
Tenure (years)
Investment duration for the SIP plan.
Outcomes
Projected corpus for your Wealth Creation SIP
Based on compounded monthly contributions and the expected annual return.
Total Invested
₹27,00,000
Expected Corpus
₹75,68,640
Wealth Gain
₹48,68,640
Annualised Return
12.0%
Not guaranteed; adjust assumptions to stress test.
SIP vs keeping money in savings
If you put the same monthly amount in a savings-style product at around 4% p.a., your corpus could be ₹37,03,662. With an SIP targeting 12.0% p.a., you are aiming for approximately ₹38,64,978 of additional wealth over the same period, subject to market risks.
Next step
Not sure which mutual funds or term plan to choose for this SIP? Our experts can help you select suitable schemes and ensure your family is adequately protected.
What is an SIP Calculator?
A Systematic Investment Plan (SIP) Calculator is a financial planning tool that helps you estimate the future value of your investments made through SIPs. It calculates the maturity amount you can expect to receive based on your monthly investment amount, expected rate of return, and investment tenure.
SIP calculators use the power of compound interest to project how your regular monthly investments will grow over time. By inputting different scenarios, you can plan your investments to meet specific financial goals such as retirement, children's education, buying a home, or building wealth.
These calculators are essential for making informed investment decisions, as they provide a clear picture of how disciplined, regular investing can help you achieve your long-term financial objectives through the magic of compounding.
How Can a SIP Return Calculator Help You?
Goal Planning
Determine how much you need to invest monthly to reach your financial goals, whether it's retirement corpus, education fund, or a down payment for a house.
Investment Strategy
Compare different investment scenarios by adjusting monthly amounts, expected returns, and tenure to find the optimal strategy for your situation.
Wealth Projection
Visualize how your wealth will grow over time with regular SIP investments, helping you understand the long-term benefits of disciplined investing.
Risk Assessment
Test different return scenarios to understand how market volatility might affect your investments and plan accordingly.
Budget Planning
Determine the right monthly investment amount that fits your budget while still helping you achieve your financial goals.
Time Optimization
Understand how starting early or investing for longer periods can significantly impact your final corpus through compounding.
Advantages of Using the Systematic Investment Plan (SIP) Calculator
Accurate Financial Planning
Our SIP calculator provides precise estimates based on compound interest calculations, helping you make informed decisions about your investment strategy and financial goals.
Real-Time Scenario Analysis
Instantly see how changes in your monthly investment, expected returns, or tenure affect your final corpus. This real-time feedback helps you optimize your investment plan.
Year-by-Year Breakdown
Track your investment growth year by year, giving you visibility into how your corpus accumulates over time and helping you stay motivated on your investment journey.
Free and Easy to Use
No registration or fees required. Our SIP calculator is completely free and accessible anytime, allowing you to plan and replan your investments as your financial situation evolves.
Educational Tool
Learn about the power of compounding and systematic investing by experimenting with different scenarios. Understanding these concepts helps you become a more informed investor.
Frequently Asked Questions
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly (usually monthly) in mutual funds. The amount is automatically debited from your bank account and invested in your chosen mutual fund scheme. This disciplined approach helps you invest consistently and benefit from rupee cost averaging and the power of compounding.
The minimum SIP amount varies by mutual fund house and scheme, but typically ranges from ₹100 to ₹500 per month. Some funds may have higher minimums. Check with your fund house or financial expert for specific requirements.
SIP returns are calculated using compound interest. Each monthly investment compounds over the remaining tenure. The formula accounts for the time value of money, where earlier investments have more time to grow. Our calculator uses the standard SIP formula: Future Value = P × [((1 + r)^n - 1) / r] × (1 + r), where P is monthly investment, r is monthly return rate, and n is number of months.
Both SIP and lump sum have their advantages. SIP helps with rupee cost averaging, reduces the impact of market volatility, and enforces financial discipline. Lump sum investments can be beneficial if you have a large amount and the market is at a low point. SIP is generally recommended for regular income earners who want to invest systematically.
Yes, most SIPs offer flexibility. You can pause, modify the amount, or stop your SIP at any time. However, maintaining consistency is key to achieving your financial goals. Some fund houses may have specific terms, so check with your provider.
Returns depend on the type of mutual fund you invest in. Equity funds historically have provided 10-15% annual returns over long periods, but are subject to market volatility. Debt funds typically offer 6-8% returns with lower risk. Past performance doesn't guarantee future results, so use our calculator with realistic return expectations.
SIP is most effective for long-term goals (5 years or more). The longer you invest, the more you benefit from compounding. For short-term goals (less than 3 years), consider debt funds or other low-risk options. For goals like retirement, investing for 15-30 years can significantly grow your wealth.
SIP investments themselves are not tax-free, but certain equity-linked savings schemes (ELSS) offer tax deductions under Section 80C up to ₹1.5 lakh per year. Returns are subject to capital gains tax based on the holding period and type of fund. Long-term capital gains on equity funds (held over 1 year) are taxed at 10% above ₹1 lakh, while short-term gains are taxed at 15%.
If you miss a SIP payment due to insufficient funds, the fund house typically skips that month's investment. Your SIP continues the next month. However, multiple missed payments (usually 3 consecutive) may lead to SIP cancellation. Some fund houses offer SIP holiday facilities where you can pause for a few months.
Yes, you can have multiple SIPs in different mutual fund schemes. This helps diversify your portfolio across different asset classes, fund managers, and investment strategies. Many investors maintain SIPs in equity funds, debt funds, and hybrid funds simultaneously.
How HRP Wealth helps you execute your SIP and protection plan
1. Discover your goals
We understand your goals, time horizon, income, and existing investments to design the right SIP and protection mix.
2. Recommend right funds & cover
Based on your risk profile, we suggest suitable mutual funds (equity, hybrid, debt) and term/health cover where required.
3. Set up SIPs seamlessly
We help you set up SIPs through our partnered platforms so that investments are automated every month.
4. Review & course-correct
We periodically review your SIPs, goals, and insurance to ensure you stay on track even as life and markets change.
Summary
A SIP Calculator is an indispensable tool for anyone looking to build wealth through systematic investing. It helps you understand how regular monthly investments can grow over time through the power of compounding, enabling you to plan for various financial goals such as retirement, children's education, buying a home, or creating a substantial corpus.
By using our SIP Calculator, you can experiment with different investment amounts, expected returns, and time horizons to find the optimal strategy that aligns with your financial capacity and goals. The calculator provides year-by-year projections, helping you visualize your wealth accumulation journey and stay motivated to maintain your investment discipline.
Remember, while SIP calculators provide valuable estimates, actual returns may vary based on market conditions. It's essential to invest according to your risk tolerance, review your portfolio regularly, and consult with a financial expert for personalized investment advice. Start your SIP journey today and take a step towards achieving your financial dreams.
