Plan your monthly SIP investments and visualize wealth growth with compounding.
Systematic Investment Plan
Year-by-year comparison of invested vs. maturity value
A Systematic Investment Plan, popularly known as SIP, is a method of investing in mutual funds where an investor contributes a fixed amount at regular intervals (monthly, quarterly, etc.) rather than making a one-time lumpsum payment. SIPs are ideal for retail investors as they instill financial discipline and allow participation in the equity markets with as little as ₹500 per month.
Compounding is the process where the returns on your investment start generating their own returns. In a long-term SIP, even small monthly contributions can grow into a substantial corpus because you earn interest on your principal as well as on the accumulated interest from previous periods. The longer you stay invested, the more pronounced this effect becomes, often referred to as the "eighth wonder of the world."
One of the biggest advantages of SIP is Rupee Cost Averaging. Since you invest a fixed amount every month, you automatically buy more units when the market price (NAV) is low and fewer units when the price is high. Over time, this averages out the cost of your investment, reducing the impact of market volatility and eliminating the need to "time the market"—a task that even professional traders find difficult.
Our calculator uses the standard future value of annuity formula to project your returns:
FV = P × [ (1 + i)^n - 1 ] / i × (1 + i)
Where P is the monthly amount, i is the monthly interest rate, and n is the number of months.
Setting financial goals is the foundation of successful investing. Whether you are planning for your child's higher education, a new home, or your own retirement, our tool helps you work backward from your goal. By adjusting the monthly investment and expected return rate, you can see exactly how much you need to save to reach your target corpus in a specific timeframe.