SIP Calculator: Project Your Mutual Fund Future Value

Systematic Investment Plan (SIP) ki future value, total invested capital, and compound returns calculate karein. Free, mobile-friendly, instant PDF download.

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SIP (Systematic Investment Plan) Mutual Fund mein har month fixed amount invest karne ka simple tareeka hai. Long-term wealth creation ke liye SIP best hai kyunki rupee-cost averaging aur power of compounding ka faayda milta hai.

Yeh free SIP Calculator aapko monthly SIP amount, expected return rate (% p.a.), aur investment tenure (years) input karke future value calculate karke deta hai. Total invested capital, total returns (gain), aur final corpus alag-alag dikhata hai. AMFI-aligned standard formula use karta hai (FV = P x [(1+r)^n - 1] / r) x (1+r)).

Common use cases: Retirement planning (e.g., 30 saal me Rs 5 crore corpus build karna), Child education (15-18 saal me higher studies fund), House down payment (5-7 saal me Rs 30 lakh), Wealth building (10-20 saal SIP across diversified equity MFs).

Step-Up SIP variant bhi available hai (har saal SIP amount badhana — typically 5-15% annual step-up). Aam aadmi ke liye 12-13% expected return reasonable hai (Nifty 50 ya hybrid MF basis).

Calculator ke saath aapko ek branded PDF report bhi milti hai jisme year-wise breakdown, growth chart, aur AMFI mandatory disclaimer included hai. Mobile par bhi properly responsive.

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Frequently Asked Questions

SIP ka minimum amount kitna hota hai?
Most mutual funds mein minimum SIP Rs 500/month se shuru hota hai. Kuch funds mein Rs 100 se bhi shuru kar sakte hain (e.g., SBI Multicap, Mirae Asset). Higher-quality equity funds usually Rs 500-1000 minimum lete hain.
SIP returns guaranteed hain kya?
Nahi, SIP returns market-linked hote hain. Mutual Fund investments are subject to market risks. AMFI compliance ke according, past performance future returns guarantee nahi karti. Long-term (7-10 saal+) horizon par historical avg ~11-13% rahi hai equity MF mein, but actual vary kar sakta hai.
SIP vs Lumpsum kaun better hai?
SIP rupee-cost averaging deta hai — market low/high dono mein invest hota hai, average buy price moderate rehta hai. Lumpsum higher returns de sakta hai agar market timing sahi ho, but mostly risky. Salaried logon ke liye SIP recommended. Bonus/inheritance mile to Lumpsum + SIP combination best.
Step-Up SIP kya hota hai?
Step-Up SIP mein har saal SIP amount automatically badh jaata hai (e.g., 10% annual step-up). Salary hike ke saath investment bhi badhata hai. Long-term mein simple SIP ke comparison mein 1.5-2x corpus build hota hai same starting amount par.
Online SIP kaise shuru karein?
Direct platforms: AMC website (Axis MF / SBI MF / HDFC MF), Coin by Zerodha, Groww, Kuvera, Paytm Money. Distributor route mein expense ratio slightly higher hota hai. AMFI ARN-registered MFD se guidance lena beneficial hai pehli baar invest karne walon ke liye.

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