SIP Calculator
Calculate wealth created through monthly SIP investments
Disclaimer
Assumed returns are based on historical averages. Actual returns depend on fund selection, market conditions, and economic factors.
SIP - Systematic Investment Plan
Build wealth through regular monthly investments in mutual funds.
Regular Investing
Invest fixed amount every month - builds discipline
Rupee Cost Averaging
Buy more units when price is low, fewer when high
Long-term Wealth
Benefit from compound returns over 5-10+ years
Pro Tips
- Start with ₹500/month minimum - most funds allow this
- Invest for 5+ years to ride out market volatility
- Conservative funds: 8-10% annual returns
- Aggressive funds: 12-15% annual returns
Quick Example
Important Notes
• SIP amounts are flexible - you can increase or decrease as per financial capacity
• Switching between funds is allowed - review allocation annually
• Exit Load: Usually 0% after 1 year
• Tax on SIP gains: STCG at slab rate (< 1 yr), LTCG at 10% (≥ 1 yr for equity)
• Consider ELSS funds for tax savings under Section 80C
Frequently Asked
When should I start a SIP?
The best time is now! Even small amounts compound significantly over time. Start with ₹500-1000/month.
Can I increase or decrease my SIP amount?
Yes, most platforms allow you to change SIP amounts or skip months. Contact your AMC or use their app.
What's the difference between equity and debt funds?
Equity funds invest in stocks (higher risk, higher returns), debt funds in bonds (lower risk, stable). Choose based on time horizon.
How are SIP returns taxed?
Short-term (< 1 yr): Taxed as income at your slab. Long-term (≥ 1 yr): LTCG 10% without indexation or 20% with indexation for equity.
Need expert help filing your taxes?
Our CA team at Pathak Associates is ready to assist you.