SIP Calculator

What is a SIP?

A Systematic Investment Plan (SIP) is a way of investing a fixed amount in a mutual fund scheme at regular intervals, usually every month, instead of investing a large sum all at once. Each installment buys more units when prices are low and fewer when prices are high, which averages out the purchase cost over time. Over a long enough horizon, the real driver of the outcome is compounding: the returns you earn also start earning returns.

How is it calculated?

Why use this calculator

• Removes the pressure of timing the market: you invest on a schedule, not a guess
• Rupee-cost averaging smooths out the effect of short-term volatility
• Small, regular amounts are easier to commit to than a single large investment
• Shows clients, in one screen, exactly how a monthly habit compounds over their goal horizon

Who should use it

First-time investors building a long-term habit, salaried clients with a fixed monthly surplus, and advisors who want a quick, visual way to show a prospect what “starting today vs starting in 2 years” actually costs them.

Frequently asked questions