Use this SIP (Systematic Investment Plan) calculator to create a monthly savings habit, similar to putting fixed money in a piggy bank every month. This will help you build a habit of regular investment. Instead of saving at random times, you can choose to invest a fixed amount regularly—maybe $50 or even just $10 monthly—in things like mutual funds (which buy tiny pieces of shares of many companies), recurring bank deposits (where you earn interest), or gold funds. Just as small drops of water fills a bucket over time, these regular investments, no matter how small, can grow into a big amount because you're being consistent and letting your money work for you over time. It's a simple way to build savings without needing a lot of money to start!
Total Invested
₹600,000
Est. Returns
₹432,760
Est. Maturity Value
₹1,032,760
Inflation-Adjusted Value
₹576,688
| Year | Invested Amount | Est. Returns | Est. Maturity Value | Inflation-Adjusted Value |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹3,351 | ₹63,351 | ₹59,765 |
| 2 | ₹120,000 | ₹13,337 | ₹133,337 | ₹118,669 |
| 3 | ₹180,000 | ₹30,650 | ₹210,650 | ₹176,866 |
| 4 | ₹240,000 | ₹56,059 | ₹296,059 | ₹234,507 |
| 5 | ₹300,000 | ₹90,412 | ₹390,412 | ₹291,738 |
| 6 | ₹360,000 | ₹134,645 | ₹494,645 | ₹348,705 |
| 7 | ₹420,000 | ₹189,792 | ₹609,792 | ₹405,546 |
| 8 | ₹480,000 | ₹256,996 | ₹736,996 | ₹462,401 |
| 9 | ₹540,000 | ₹337,521 | ₹877,521 | ₹519,403 |
| 10 | ₹600,000 | ₹432,760 | ₹1,032,760 | ₹576,688 |
A Systematic Investment Plan (SIP) is a smart way to invest in mutual funds regularly. Think of it as a recurring deposit for mutual funds - you invest a fixed amount every month, building your wealth steadily over time. It's become increasingly popular in India because it makes investing simple, systematic, and suitable for everyone, regardless of their income level.
Regular investments at fixed intervals (monthly/quarterly) help build a disciplined approach to wealth creation.
Benefit from market fluctuations through rupee cost averaging, buying more units when prices are low.
Start with as little as ₹500 monthly, making it accessible to investors with varying financial capabilities.
Set up automatic payments to ensure consistent investing without manual intervention.
When you invest through SIP, you're essentially practicing 'rupee cost averaging.' Here's how it works: you invest a fixed amount regularly, regardless of market conditions. During market dips, your fixed amount buys more units; during market highs, it buys fewer units. This averaging helps reduce the impact of market volatility on your investment and potentially increases your returns over time.