SIP Calculator - Plan Your Wealth & Financial Freedom
Grow your money with the most accurate SIP (Systematic Investment Plan) Calculator. Whether you are investing in Indian Mutual Funds or Global ETFs, our tool calculates exactly how much your small monthly savings can grow into a massive corpus using the power of Compound Interest.
✨ Why Start a SIP Today?
Planning for a down payment? See how a monthly SIP of ₹ 10,000 ($120) can grow into a substantial fund in 5-10 years.
Start early. An investment started at age 25 creates 2x more wealth than one started at age 35 due to the compounding effect.
Education costs are rising. Calculate the target corpus needed for college fees (e.g., ₹ 20 Lakh / $25k) in the year 2035.
📈 How to Use This Tool?
- Step 1: Choose Mode
Select "Invest" to calculate returns, or "Goal" if you have a specific target (e.g., 1 Crore / 1 Million). - Step 2: Adjust Sliders
Set your monthly amount, expected return rate (Avg: 12% for India / 10% Global), and time period. - Step 3: Share Result
Click "Share Result" to save a professional summary of your financial plan to WhatsApp or Notes.
💡 Frequently Asked Questions (FAQ)
How much investment for ₹ 1 Crore ($120k)?
To reach ₹ 1 Crore ($120,000) in 15 years with a 12% return, you need to invest approximately ₹ 20,000 ($240) per month. If you start earlier (20 years), the amount drops to just ₹ 10,000 ($120).
What is a good return rate?
For Indian Equity Mutual Funds (Nifty 50, Flexi Cap), a safe long-term estimate is 12% to 14%. For Global Markets (S&P 500), a standard benchmark is 8% to 10%.
What is Rupee/Dollar Cost Averaging?
SIP utilizes Rupee Cost Averaging (or Dollar Cost Averaging). By investing a fixed amount every month, you automatically buy more units when the market is low and fewer when it is high, reducing risk.
Is SIP safer than Lumpsum?
SIP is generally safer for volatile markets because it removes the need to "time the market." Lumpsum investing carries higher risk if the market drops immediately after your investment.