SIP Calculator

A Systematic Investment Plan is a standing instruction to invest a fixed amount in a mutual fund at a regular interval, usually monthly. Instead of trying to time the market, you buy consistently — more units when prices are low and fewer when they are high. That averaging is the main reason SIPs suit people investing out of a salary.

No. Equity mutual funds are market-linked and returns vary year to year, sometimes sharply. This calculator assumes one steady rate throughout, which no real fund delivers. Treat the result as a planning estimate, not a promise, and remember that past performance does not predict future returns.

It depends entirely on what you are investing in. Historically, Indian equity funds have often been modelled at 10-12% a year over long periods, hybrid funds lower, and debt funds lower still. Run the calculation at a few different rates rather than one — seeing the pessimistic case is usually more useful than the optimistic one.

Because returns compound on returns. Your earliest instalments have the most months to grow, so they contribute disproportionately to the final value. Extending an SIP from 10 to 15 years does not add 50% to the maturity value — it can nearly double it. Starting early matters more than investing large amounts later.

Nothing punitive: the fund simply does not receive that instalment, and your final corpus is lower by that amount plus whatever it would have earned. Your bank may charge a failed-mandate fee. Most fund houses let you pause an SIP for a few months rather than cancelling it outright.

No. The projection is a gross figure. In practice the fund's expense ratio is already reflected in its published returns, but capital gains tax is not — equity fund gains above the annual exemption are taxable, with different rates for holdings under and over a year. Your in-hand amount will be lower than the figure shown here.