SIP Calculator
Calculate Systematic Investment Plan returns
SIP Details
Amount to invest every month
Historical equity returns: 12-15%
Advanced Options
Increase SIP amount yearly (e.g., 10% means SIP increases 10% each year)
For real returns calculation
SIP Returns
Enter SIP details and click Calculate
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Understanding SIP Investing
What is SIP?
SIP (Systematic Investment Plan) is a method of investing in mutual funds where you invest a fixed amount regularly, typically monthly. It helps build wealth through rupee cost averaging and the power of compounding.
Benefits of SIP
- Rupee Cost Averaging: Buy more units when prices are low, fewer when high
- Disciplined Investing: Automates your investment habit
- Power of Compounding: Returns earn returns over time
- Flexibility: Start with as low as ₹500/month
Step-Up SIP
Step-up SIP (also called Top-up SIP) allows you to increase your SIP amount annually. This is beneficial because your income typically increases over time, and investing more helps reach goals faster.
Tax Implications
- ELSS: Tax deduction up to ₹1.5L under Section 80C, 3-year lock-in
- Equity Funds: LTCG above ₹1.25L taxed at 12.5% (if held >12 months)
- Debt Funds: Taxed at slab rate (no indexation benefit from FY 2023-24)
Disclaimer: This calculator is for informational purposes only and should not be considered financial, tax, or legal advice. Results are estimates based on the information provided and current tax laws. Consult a qualified professional for advice specific to your situation.
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