SIP Calculator

SIP (Systematic Investment Plan) means investing a fixed amount every month in a mutual fund. Even ₹500/month can grow to lakhs over 10–15 years thanks to compounding. It is one of the best ways to build wealth in India.

Large-cap funds historically give 10–12% annually. Mid/small-cap funds can give 12–18% but with more risk. For safe planning, use 10–12%. Actual returns depend on market performance.

M = P × [(1+r)^n – 1] / r × (1+r), where P = monthly investment, r = monthly rate (annual ÷ 12 ÷ 100), n = total months. The more years you invest, the more compounding works for you.

SIP in equity mutual funds historically gives higher returns than FD over long periods (5+ years). FD is safer with fixed returns. SIP is better for wealth creation; FD is better for capital protection.