SIP Calculator
Systematic Investment Plans (SIP) are the disciplined way to build wealth. Calculate your future corpus based on monthly investments.
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Why SIPs Work
Rupee Cost Averaging: You buy more units when markets are low and fewer when they are high. This averages out your purchase cost over time.
Expected Returns
- Equity Funds: 10-15% (Long Term)
- Debt Funds: 6-8% (Low Risk)
- Hybrid Funds: 8-12% (Balanced)
Learn about SIP Power
The Power of SIP Compounding
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SIP Calculator FAQs
What is SIP and how does it work?
SIP (Systematic Investment Plan) allows investing a fixed amount regularly in mutual funds. It averages purchase cost through rupee-cost averaging and benefits from compounding over long periods.
What returns can I expect from SIP?
Historically, equity mutual funds have delivered 12-15% CAGR over 10+ years. However, returns vary by fund type, market conditions, and investment horizon. Past performance doesn't guarantee future returns.
Should I invest lump sum or through SIP?
SIP is better for regular income earners and reduces market timing risk. Lump sum works when you have surplus funds and markets are undervalued. Combining both strategies often yields optimal results.
How is PPF different from FD?
PPF offers tax-free returns (7.1% currently), 15-year lock-in, and EEE tax status. FD offers flexible tenure, immediate liquidity, but taxable interest (6-7.5%). PPF suits long-term tax-free savings; FD suits short-term liquidity needs.
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