SIP Calculator - Calculate Your Mutual Fund Returns
Plan your investments wisely with our easy-to-use SIP calculator to estimate potential returns
Normal SIP Calculator
Calculate the potential returns from your Systematic Investment Plan (SIP) in mutual funds
SIP Calculator with Inflation Adjustment
Benefits of SIP Investing
Rupee Cost Averaging
Invest fixed amounts regularly to average out purchase costs and reduce market timing risk.
Power of Compounding
Your returns generate more returns over time, accelerating wealth creation.
Financial Discipline
Automate investments to build consistent saving habits regardless of market conditions.
Goal-Based Planning
Align SIP investments with specific financial goals like retirement or education.
How SIP Calculation Works
This calculator uses standard financial formulas to project your SIP returns:
Future Value of SIP: Calculated using the formula for future value of a series:
Inflation Adjustment: The future value is adjusted for inflation to show its present purchasing power:
Why Consider Inflation? Since inflation reduces the purchasing power of money over time, a ₹100 item today might cost ₹179 in 10 years with 6% inflation. Therefore, the inflation-adjusted calculator shows what your future investment is really worth in today's money.
Understanding SIP Investment for Better Financial Planning
A Systematic Investment Plan (SIP) represents a disciplined approach to investing in mutual funds where you invest a fixed amount regularly. Our advanced SIP calculator helps you understand not just the nominal returns but also the real value of your investments after accounting for inflation.
Inflation continuously erodes the purchasing power of money over time. While your investments might show impressive nominal growth, their real value could be significantly lower when adjusted for inflation. Consequently, our SIP calculator with inflation adjustment provides a realistic picture of your future wealth in today's purchasing power.
This tool is essential for long-term financial planning, especially for goals like retirement, children's education, or buying a home. By understanding the impact of inflation, you can make more informed decisions about how much to invest and for how long to achieve your financial objectives.
Furthermore, our calculator uses standard financial formulas to project your investment growth and then adjusts the final amount for inflation, giving you a clear picture of what your money will actually be worth in the future.
Frequently Asked Questions
A SIP calculator is an online tool that helps you estimate the potential returns from your Systematic Investment Plan (SIP) investments in mutual funds. It uses your investment amount, duration, and expected returns to project future value.
Inflation reduces the purchasing power of money over time. Without inflation adjustment, your investment returns might seem high but could actually have less purchasing power in the future. Therefore, inflation-adjusted calculations show the real value of your money.
You can start a SIP with as low as ₹500 per month, making it accessible for most investors. Additionally, there's typically no upper limit for SIP investments.
Rupee cost averaging is a key benefit of SIPs. When markets are down, your fixed investment buys more units, and when markets are up, it buys fewer units. As a result, this averages out your purchase cost over time.
Yes, most mutual funds allow you to increase or decrease your SIP amount. Moreover, some also offer step-up SIPs where you can automatically increase your investment annually.
No, SIP returns are not guaranteed as they are subject to market risks. Therefore, the returns shown by SIP calculators are projections based on the expected rate of return and may vary in reality.