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Mutual Fund SIP Calculator
Estimate your future mutual fund wealth with standard monthly SIPs or annual step-up compounding.
SIP Details
$
$50
$10,000+
%
1%
12% (Equity Avg)
30%
Yrs
1 Year
10 Years
40 Years
% / year
Example: $500/mo in Year 1 becomes $550/mo in Year 2.
Projected Maturity Value
Total Expected Maturity Corpus
$116,169.54
After 10 Years
Total Invested Amount
$60,000.00
Estimated Wealth Gain
$56,169.54
Invested: 52%
Wealth Gain: 48%
Rupee-Cost / Dollar-Cost Averaging: SIP ensures you buy more fund units when prices drop and fewer units when prices rally, lowering your average purchase cost.
Yearly Investment Growth Schedule
| Year | Monthly SIP | Annual Contribution | Total Capital Invested | Total Wealth Gain | Expected Portfolio Value |
|---|
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a disciplined wealth-building methodology offered by mutual funds allowing investors to deposit a predetermined amount at recurring intervals (monthly, weekly, or quarterly). Rather than attempting to time volatile market peaks and troughs, SIP investors build capital through continuous dollar-cost averaging.
Key Capabilities & Features
- Step-Up SIP Feature: Model salary growth by increasing monthly contributions by 5%, 10%, or 15% annually.
- Instant Slider Controls: Adjust investment amounts and return percentages interactively with real-time recalculation.
- Visual Portfolio Proportions: Clearly distinguish between your actual hard-earned deposits and compound gains.
- Multi-Currency Support: Works smoothly across $, ₹, €, £, and other world currencies.
Step-by-Step How It Works
- Choose your monthly SIP installment using the input box or slider.
- Input the anticipated annual return rate based on your selected mutual fund asset class (large cap, mid cap, index).
- Set the investment duration (from 1 to 40 years).
- Optionally toggle Step-Up SIP to simulate career salary raises.
Frequently Asked Questions
SIP reduces market timing anxiety and volatility risk through cost averaging. While a lump sum invested right before a bull run may outperform, SIP is far safer for regular earners and minimizes downside drawdown risk during market corrections.
The future value of an ordinary annuity formula is:
M = P × [((1 + i)^n - 1) / i] × (1 + i), where P is the periodic deposit, i is the monthly interest rate (annual rate / 12), and n is total number of monthly payments.
Yes. Unlike fixed-term banking products or insurance policies with surrender penalties, open-ended mutual fund SIPs can be paused, stopped, increased, or redeemed at any point without fees (subject to standard exit load periods, typically under 1 year).