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SIP Calculator

Monthly SIP amount, tenure aur expected return daao — maturity amount aur returns chart ke saath instantly jaanein!

4.9 ⭐ (45,230 ratings) • 100% Free • 📊 Visual Chart

💰 SIP Details Bharein

₹5,000
₹500₹2L
₹
10 Yr
1 Yr40 Yr
Years
12%
1%30%
%
⚡ Quick Presets
Maturity
₹0
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Total Invested
₹0
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Est. Returns
₹0
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Total Value
₹0
Wealth Gain 0%
XIRR (approx) 0%
Total Months 0
📋 Year-wise Growth
Year Invested Returns Total Value

📈 SIP Kya Hota Hai?

📅 Systematic Investment SIP matlab har mahine ek fixed amount mutual fund mein invest karna. Compounding ki wajah se long-term mein chhoti investment bhi badi ban jaati hai.
📊 Compounding Power ₹5,000/month @ 12% return for 20 years = ₹49.9 Lakh invested par total value ₹1.99 Crore! Returns invested amount se 3x zyada!
⚖️ Rupee Cost Averaging Market up ho ya down — SIP se har price pe units milti hain. Long-term average cost reduce hota hai — risk kam hota hai.
💡 Return Expectations Large Cap funds: 10-12%. Mid Cap: 12-15%. Small Cap: 15-18%. Index Funds: 10-12%. Historical Nifty 50 average ~12% CAGR.

🌟 Is Calculator Ki Khasiyat

  • Live Sliders: Drag karo — instantly result update hota hai
  • Donut Chart: Invested vs Returns visual breakdown
  • Year-wise Table: Har saal ka invested, returns aur total value
  • Wealth Gain %: Kitni baar paisa badha — clearly dikhta hai
  • Quick Presets: Common SIP scenarios ek click mein
  • Exact Formula: Same formula jo banks aur AMCs use karti hain

SIP Calculator — Mutual Fund SIP Returns Kaise Calculate Karte Hain?

SIP (Systematic Investment Plan) calculator se aap jaan sakte hain ki agar aap har mahine ek fixed amount invest karein toh kitne saalon mein kitna paisa banega. Formula mein monthly investment, annual return rate aur investment period use hota hai.

SIP Formula

SIP Maturity Formula: M = P × ({[1 + i]^n – 1} / i) × (1 + i). Jahan M = Maturity Amount, P = Monthly SIP amount, i = Monthly interest rate (Annual rate ÷ 12 ÷ 100), n = Total months (years × 12). Yahi formula AMFI, SBI, HDFC aur sab banks use karti hain.

SIP vs Lump Sum — Kaunsa Better Hai?

SIP mein market timing ki zaroorat nahi — har mahine invest karte raho. Lump sum ek baar mein invest karna hota hai — market low pe karo toh zyada faayda. Long-term ke liye SIP zyada safe aur reliable option hai.

Frequently Asked Questions

₹1000/month SIP 10 saal mein kitna banega?

₹1000/month @ 12% return for 10 years: Total invested = ₹1,20,000. Maturity value ≈ ₹2,32,339. Returns ≈ ₹1,12,339. Paisa almost double!

SIP mein kitna return expect karein?

Index funds aur large cap pe historically 10-12% CAGR mila hai. Mid/small cap pe 13-18% bhi possible hai lekin risk zyada hota hai. Calculator mein 12% ek conservative estimate hai.

SIP kab shuru karein?

Jitna jaldi ho utna accha — compounding ka faayda time ke saath exponentially badhta hai. ₹500/month se bhi shuru kar sakte hain.

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Important Disclaimer

This tool is provided for informational and educational purposes only. Results generated are estimates or general guidance and should not be considered as professional advice or 100% accurate predictions.

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Accuracy Notice

Results may vary based on inputs, algorithms, and external factors. Always verify critical information with qualified professionals.

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No Professional Advice

This tool does not replace consultation with doctors, lawyers, astrologers, financial advisors, or other licensed professionals.

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Use at Your Discretion

We are not liable for any decisions, actions, damages, or losses arising from the use of this tool or its results.

By using this tool, you acknowledge that: Results are for entertainment, educational, or reference purposes. For important decisions (medical, legal, financial, religious), always consult qualified experts. Read our complete Disclaimer and Terms of Service.