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INVESTIK FUTURE SIP CALCULATOR
Systematic Investment Plan β Grow Wealth with the Power of Compounding
Live Calculator
Calculate your SIP maturity value, total returns and year-wise growth with expected rate of return
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SIP Parameters
Monthly SIP Amount (βΉ)
βΉ5,000
βΉ
βΉοΈ Start as low as βΉ100/month β increase with Step-Up SIP over time
Expected Return Rate (% p.a.)
12% p.a.
%
βΉοΈ Nifty 50 historical average CAGR: ~12β14% p.a.
Investment Duration (Years)
10 Years
Y
βΉοΈ Longer tenures unleash the full power of compounding
Annual Step-Up (%)
0% (No Step-Up)
%
βΉοΈ Increase SIP by this % every year to match salary growth
Portfolio Split
0%
Returns
Invested
Returns
SIP Maturity Summary
Total Amount Invested
βΉ0
Estimated Returns
βΉ0
Absolute Return
0%
XIRR (Approx.)
0%
Maturity Value
βΉ0
πΉ Enter values to see your wealth projection
Year-wise Wealth Growth Visualization
Amount Invested
Estimated Returns
Year-wise SIP Growth Projection
| Year | Annual SIP | Total Invested | Est. Returns | Total Value |
|---|
π SIP Knowledge Hub
Master Systematic Investment Plans β India's most powerful wealth-building tool!
πΉ What is a SIP (Systematic Investment Plan)?
A SIP lets you invest a fixed amount in mutual funds every month β automatically. Instead of timing the market, you invest regularly and benefit from Rupee Cost Averaging and the magic of Compounding. Even βΉ500/month started at age 25 can grow to βΉ1 Crore+ by retirement. The secret? Time in the market, not timing the market! π
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Minimum Amount
βΉ100 / month
Most mutual funds accept SIPs starting from just βΉ100 or βΉ500 per month. No minimum income required β anyone can start!
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Rupee Cost Averaging
Auto-averaging
You buy more units when markets fall and fewer when markets rise. This automatically lowers your average cost per unit over time.
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Compounding Power
8th Wonder
Einstein called compounding the 8th wonder of the world. Your returns earn returns β and this snowball effect explodes in later years.
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Step-Up SIP
Increase yearly
Increase your SIP by 10β15% every year as your income grows. A 10% step-up can nearly double your final corpus versus a flat SIP.
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Tax on SIP
LTCG @ 12.5%
Equity fund SIP held 1+ year: gains above βΉ1.25L taxed at 12.5% LTCG. ELSS SIPs offer 80C deduction up to βΉ1.5L per year.
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Liquidity
Flexible exit
Unlike PPF or FD, most equity SIPs can be redeemed anytime (except ELSS β 3 yr lock-in). Pause or stop SIP anytime without penalty.
8th
Wonder
Wonder
Compounding
β¨ The Magic of Compounding in SIP
βΉ5,000/month at 12% for 10 years = βΉ11.6 lakh invested β βΉ23.2 lakh (2x). But the same SIP for 30 years = βΉ18 lakh invested β βΉ1.76 Crore (9.7x)! The last 10 years generate more wealth than the first 20 combined. That is compounding at work β time is your most valuable asset.
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Start early β every year counts
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Stay invested β don't pause during dips
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Step up annually β multiply the effect
π‘ Smart SIP Tips
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Start as early as possible β A 25-year-old investing βΉ5,000/month at 12% for 35 years accumulates βΉ3.2 Crore. A 35-year-old investing the same gets just βΉ1 Crore. 10 years costs βΉ2.2 Crore.
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Don't stop SIP in market crashes β Crashes are the best time for SIP. You buy more units at lower prices, dramatically reducing your average cost and boosting future returns.
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Use Step-Up SIP every year β Even a 10% annual increase in SIP amount can double your final corpus compared to a flat SIP, with only a marginal increase in monthly commitment.
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Link each SIP to a goal β One SIP for retirement, one for child's education, one for home down payment. Goal-based investing improves discipline and reduces mid-way withdrawals.
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Use ELSS for tax + wealth β ELSS mutual funds offer Section 80C deduction up to βΉ1.5L/year with only a 3-year lock-in β the shortest among all 80C instruments.
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Review, don't react β Review your SIP portfolio once a year, not every month. Short-term NAV fluctuations are noise. React only to fundamental changes in the fund or your goals.
β Frequently Asked Questions
Is SIP better than lump sum investment?
SIP is better for most investors because it removes the need to time the market, provides Rupee Cost Averaging, and builds financial discipline. Lump sum can outperform in a consistently rising market, but SIP wins when markets are volatile β which is most of the time.
What happens if I miss a SIP instalment?
Missing 1β2 SIP instalments does not affect your account or credit score. The SIP simply skips that month. If 3 consecutive instalments are missed, most AMCs pause the SIP. You can restart it anytime. There is no penalty for missing instalments in most funds.
What is the difference between SIP and lump sum in mutual funds?
In a SIP, a fixed amount is invested every month at whatever NAV is prevailing. In a lump sum, you invest the entire amount in one go. SIP spreads your investment and averages out market volatility. Lump sum concentrates risk at the entry point but may be better when markets have just crashed significantly.
How is SIP return calculated?
SIP returns are measured using XIRR (Extended Internal Rate of Return) β not simple CAGR β because cash flows happen at different times. The calculator uses the standard SIP formula: M = P Γ [(1+r)^n β 1] / r Γ (1+r), where P = monthly amount, r = monthly rate, n = months.
Can I do SIP in stocks directly?
Yes! Many brokers now offer Stock SIP (or Share SIP) where you can invest a fixed amount in specific stocks monthly. This is not a mutual fund but works similarly. The difference is you bear single-stock risk β mutual fund SIP spreads risk across 50β100 companies.