SIP Calculator

SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds, typically monthly.

SIP corpus = P × ((1+r)^n − 1) / r × (1+r), where P is monthly investment, r is monthly rate, and n is total months.

At 12% annual returns, investing ₹10,000 monthly for 10 years gives an estimated corpus of about ₹23.2 lakh on a ₹12 lakh investment.

SIP is better for regular investors as it averages out market volatility through rupee-cost averaging. Lumpsum can outperform in a rising market if timed correctly.

Historically, equity mutual funds in India have delivered 12–15% CAGR over 10+ years. A conservative estimate of 10–12% is commonly used for planning.