📈 Advanced SIP Calculator: Smart Investment Planning
Calculate your Systematic Investment Plan returns with advanced features: projections, inflation adjustment, and detailed analysis.
Investment Details
Investment Summary
The Power of Systematic Investment Planning (SIP)
A Systematic Investment Plan (SIP) is more than just a monthly deposit; it is a sophisticated financial strategy designed to build long-term wealth through Rupee Cost Averaging and the Power of Compounding. By investing a fixed amount regularly in Mutual Funds, investors can navigate market volatility without the need to "time the market."
Our Advanced SIP Calculator goes beyond standard calculations by incorporating Annual Step-Up features and Inflation Adjustments. This ensures that your financial planning remains realistic in today’s economic climate.
Wealth Projection: Fixed SIP vs. Step-Up SIP
See how a 10% annual increase in your SIP amount can exponentially grow your corpus over 20 years (assuming 12% annual return).
| Monthly SIP | Tenure | Fixed SIP Value | 10% Step-Up Value | The "Step-Up" Gap |
|---|---|---|---|---|
| ₹5,000 | 15 Years | ₹25.2 Lakhs | ₹44.8 Lakhs | + ₹19.6 Lakhs |
| ₹10,000 | 20 Years | ₹99.9 Lakhs | ₹2.06 Crores | + ₹1.06 Crores |
| ₹20,000 | 25 Years | ₹3.79 Crores | ₹8.85 Crores | + ₹5.06 Crores |
Rupee Cost Averaging
When markets fall, your SIP buys more units. When markets rise, your SIP buys fewer units. Over time, this lowers your average cost per unit, enhancing overall returns.
Power of Compounding
The longer you stay invested, the more your "returns on returns" work for you. Starting just 5 years early can potentially double your final retirement corpus.
Inflation Adjustment
₹1 Crore in 20 years will not have the same purchasing power as today. Our tool calculates the Real Value to help you plan for true financial freedom.
Systematic Investment Plan: Expert Q&A
Is SIP better than Lump Sum investment?
SIP is generally superior for retail investors as it removes emotional bias and provides a disciplined approach. While a Lump Sum might perform better in a one-way bull market, SIP offers better risk-adjusted returns during volatile periods.
How much return should I expect from an Equity SIP?
While past performance is not a guarantee, historical data for Indian Nifty 50 and Sensex indices shows a 12% to 14% CAGR over 10+ year periods. For planning, 12% is considered a conservative and professional benchmark.
Can I stop my SIP anytime?
Yes, most open-ended mutual funds allow you to stop or pause your SIP without any penalty. However, to maximize the compounding effect, it is highly recommended to stay invested for at least 7-10 years.