💰 SIP Calculator
Enter monthly SIP, expected annual return and tenure to estimate corpus.
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📈 SIP Wealth Growth Over Time
💡 Pro Tip: Start SIP early to benefit from power of compounding. Even small monthly investments can create substantial wealth over time.
What is SIP?
SIP (Systematic Investment Plan) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly/quarterly). Instead of timing the market, SIP helps you invest systematically and benefit from rupee cost averaging.
How is SIP Return Calculated?
SIP returns are calculated using compound interest formula:
FV = P × [(1 + r)ⁿ - 1] / r × (1 + r)
Where: P = Monthly SIP amount, r = Monthly rate of return (annual rate / 12), n = Total number of months
Benefits of SIP Investment
- Rupee Cost Averaging: Buy more units when prices are low and fewer when high, averaging your purchase cost
- Power of Compounding: Returns generate further returns, accelerating wealth creation over time
- Disciplined Investing: Automatic deductions ensure regular investment without emotional decisions
- Flexible Amounts: Start with as low as ₹500/month and increase anytime
- Tax Benefits: ELSS SIP offers tax deduction under Section 80C
Tips for Successful SIP Investing
- Start early — even small amounts grow significantly over 15-20 years
- Increase SIP amount by 10-15% annually as your income grows
- Continue during market downturns — that's when you buy more units
- Choose equity funds for long-term goals (5+ years)
- Diversify across large-cap, mid-cap, and flexi-cap funds