SIP Calculator

What is a SIP?

A Systematic Investment Plan is a disciplined way to invest a fixed amount in a mutual fund every month. The plan auto-debits your bank account, buying units at whatever the Net Asset Value is that day — so you end up averaging your purchase price across market highs and lows. Over 10+ years, this rupee-cost averaging typically beats timing the market.

SIP vs lump sum

A lump-sum investment deploys all your capital at once and grows at the same rate as the market. It wins in a rising market because every rupee compounds from day one. A SIP wins when markets are volatile or falling — you keep buying more units at lower prices. For most Indian savers, a SIP is the practical choice because it matches salary cash flow and builds the savings habit.

How much should I invest?

A widely-used rule is 20% of monthly income into long-term equity SIPs for anyone under 35, tapering to 10% in pre-retirement years. At ₹50,000 salary that means ₹10,000/month; at ₹1 lakh salary, ₹20,000. Over 20 years at 12% CAGR, a ₹10,000 monthly SIP grows to roughly ₹1 crore.

Pick a real fund

See how this SIP would perform in actual schemes. Compare 200+ direct-growth funds with daily NAV, multi-year returns and Morningstar ratings on our mutual funds catalogue. Equity SIPs typically use flexi-cap or large-cap funds; tax savers should look at ELSS.

Pair SIP with the right credit card

Some credit cards credit SIP bill-pay spending at their accelerated rate — free 1–2% on your monthly investment. See our best cashback credit cards roundup for cards that reward bill payments.

Disclaimer: Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns. The assumed return rate is for illustrative purposes only.