A Systematic Investment Plan (SIP) is a disciplined method of investing in mutual funds, where you invest a fixed amount at regular intervals—usually monthly. SIPs make it easier for individuals to build long-term wealth by leveraging the power of rupee cost averaging and compounding.

In a SIP, instead of investing a large lump sum all at once, you contribute small amounts consistently over time. This not only makes investing more affordable but also helps reduce the impact of market volatility. Since you’re buying mutual fund units at different NAVs (Net Asset Values), you automatically average out your cost per unit in the long run.

This calculator helps you estimate the future value of your SIP based on your monthly investment, the number of years you plan to invest, and the expected annual return. It also shows how much of your final corpus is your own contribution versus the market-generated returns.

SIPs are ideal for long-term goals like retirement, children’s education, or buying a house. They offer flexibility, affordability, and the ability to benefit from market-linked growth.

⚠️ Please Note: SIP returns are not guaranteed. Since mutual funds are subject to market risk, the actual returns may vary depending on market conditions. It’s important to invest based on your risk appetite, investment horizon, and financial goals.

Mutual funds in India are regulated by SEBI (Securities and Exchange Board of India), and most SIPs come with the flexibility to increase, pause, or withdraw contributions as per your convenience. You can also set step-up SIPs that increase your monthly amount over time.

Use this SIP Calculator to visualize how your small monthly investments can grow into a significant corpus over time—and make your money work for you.