SIP Calculator
Calculate your SIP returns with expected annual growth rate. See how monthly investments compound over time.
months (10.0 years)
Maturity Value
₹11.62 L
Total Invested
₹6.00 L
Est. Returns
₹5.62 L
Wealth Gain
93.6%
Breakdown
Invested: ₹6.00 L (52%)
Returns: ₹5.62 L (48%)
📊 Interactive Growth Analysis
Invested vs Returns
Invested: ₹6.00 L
Returns: ₹5.62 L
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (14.0%) | +5 Years (15yr) |
|---|---|---|---|
| Total Invested | ₹6.00 L | ₹6.00 L | ₹9.00 L |
| Maturity Value | ₹11.62 L | ₹13.10 L ↑ ₹1.49 L | ₹25.23 L ↑ ₹13.61 L |
| Est. Returns | ₹5.62 L | ₹7.10 L | ₹16.23 L |
💡 Understanding SIP Returns
Systematic Investment Plan (SIP) lets you invest a fixed amount monthly in mutual funds. The power of SIP lies in rupee cost averaging — you buy more units when prices are low and fewer when high, reducing your average cost over time.
Most equity mutual fund SIPs have historically returned 12-15% annually over 10+ year periods. However, returns are not guaranteed and depend on market conditions. Diversify across large-cap, mid-cap, and index funds for optimal risk-adjusted returns.
₹5,000/month SIP at 12% return for 20 years → ₹49.9 Lakhs. Start 5 years earlier and the same SIP grows to ₹1.05 Crores. Time is the biggest factor in wealth creation.