SIP Calculator
Calculate long-term compound wealth created through regular monthly mutual fund investments.
Configure SIP Parameters
Adjust monthly contribution, expected CAGR, and investment timeline
Key Investment Insights
- Start as early as possible: Compounding delivers exponential gains in the latter half of the investment horizon.
- Match equity allocation with goal duration: For horizons over 7-10 years, diversified equities historically outpace inflation by 5-7%.
- Avoid stopping SIPs during market corrections: Down markets are when you accumulate units at discounted NAV valuations.
- Review portfolio allocation annually with your wealth advisor to rebalance asset classes.
| Year | Total Invested | Estimated Gains | Portfolio Value |
|---|---|---|---|
| Year 1 | ₹ 3,00,000 | +₹ 20,233 | ₹ 3,20,233 |
| Year 2 | ₹ 6,00,000 | +₹ 81,080 | ₹ 6,81,080 |
| Year 3 | ₹ 9,00,000 | +₹ 1,87,691 | ₹ 10,87,691 |
| Year 4 | ₹ 12,00,000 | +₹ 3,45,871 | ₹ 15,45,871 |
| Year 5 | ₹ 15,00,000 | +₹ 5,62,159 | ₹ 20,62,159 |
| Year 6 | ₹ 18,00,000 | +₹ 8,43,926 | ₹ 26,43,926 |
| Year 7 | ₹ 21,00,000 | +₹ 11,99,475 | ₹ 32,99,475 |
| Year 8 | ₹ 24,00,000 | +₹ 16,38,164 | ₹ 40,38,164 |
| Year 9 | ₹ 27,00,000 | +₹ 21,70,538 | ₹ 48,70,538 |
| Year 10 | ₹ 30,00,000 | +₹ 28,08,477 | ₹ 58,08,477 |
| Year 11 | ₹ 33,00,000 | +₹ 35,65,370 | ₹ 68,65,370 |
| Year 12 | ₹ 36,00,000 | +₹ 44,56,304 | ₹ 80,56,304 |
| Year 13 | ₹ 39,00,000 | +₹ 54,98,279 | ₹ 93,98,279 |
| Year 14 | ₹ 42,00,000 | +₹ 67,10,449 | ₹ 1,09,10,449 |
| Year 15 | ₹ 45,00,000 | +₹ 81,14,400 | ₹ 1,26,14,400 |
Financial Formula & Mechanics
Mathematical principles behind this model
A Systematic Investment Plan (SIP) leverages the dual force of Dollar/Rupee-cost averaging and exponential compound interest. Each monthly installment buys more units during market corrections and fewer units at peak valuations, smoothing out market volatility.
Frequently Asked Questions
What is a realistic expected return rate for mutual fund SIPs in India?
Historically, broad Indian equity indices (like Nifty 50 and BSE Sensex) have delivered 11% to 14% CAGR over 10-15+ year periods. Conservative portfolios with hybrid or debt exposure typically target 8% to 10% CAGR.
Can I change my SIP amount or pause it at any time?
Yes. Mutual fund SIPs offer complete liquidity and flexibility. You can modify your monthly contribution, pause temporarily, or redeem without lock-in (except in ELSS tax-saving funds which carry a statutory 3-year lock-in).
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Cost of Delaying SIP
Discover the exact financial loss caused by postponing your investment start date.
Lumpsum + SIP Calculator
Forecast growth when combining an initial one-time capital base with monthly systematic deposits.
SIP Step-Up Calculator
See the compounding boost of increasing your SIP contribution each year with income raises.
Need a Personalized, HNI-Grade Wealth Strategy?
Calculators provide mathematical estimates. Real wealth preservation requires tailored asset allocation, tax efficiency, and institutional risk management.