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Advanced SIP Calculator
Plan your investments and estimate returns
Advanced SIP Calculator
Our powerful SIP calculator helps you plan your systematic investment strategy and estimate potential returns. Calculate future value of your investments considering expected returns, investment duration, and inflation. Perfect for planning your financial goals.
How to use this tool:
- Click "Get Started" to begin
- Enter your monthly investment amount
- Set your expected annual return rate
- Choose your investment time period
- Optionally enable inflation adjustment
- View live results and investment growth chart
- Download your results as PDF, Excel or Image
Minimum ₹500, maximum ₹10,00,000 per month
Typical equity returns: 10-15%, debt returns: 6-8%
Longer periods benefit more from compounding
Most SIPs are monthly, but other options exist
Increase your SIP amount each year by this percentage
Shows real value of returns after inflation
| Year | Invested | Returns | Total Value | Step Up Amount |
|---|
Key Features of SIP
Flexible Frequency Options
- Monthly: Best for salaried individuals (aligns with salary cycles)
- Quarterly: Ideal for business owners with irregular cash flows
- Yearly: Perfect for bonus investments or annual windfalls
Step-up Advantage
- Automatically increases investment amount annually (5-20% as in your tool)
- Example: ₹10,000/month SIP with 10% step-up becomes ₹17,000/month in 6 years
Inflation Adjustment
- Shows real purchasing power of returns
- Default 6% inflation rate (customizable in your tool)
Visual Growth Projections
- Interactive charts showing yearly progression
- Clear breakdown of invested amount vs returns
The SIP Process
- Choose Fund based on risk appetite and goals
- Select Amount (minimum usually ₹500-1000)
- Set Frequency (monthly/quarterly)
- Provide Mandate for auto-debit
- Monitor Periodically (but avoid frequent changes)
Advanced Features
Step-up Calculations
- Your tool shows exactly how increasing SIPs annually impacts final corpus
- 10% step-up on ₹10,000 monthly SIP leads to ₹47.72 lakh in 10 years vs ₹23.23 lakh without step-up
Inflation Adjustment
- ₹23 lakh maturity value today = ₹12.8 lakh value after 10 years at 6% inflation
- Critical for retirement planning shown in your "Real Value Today" output
Detailed Yearly Reports
- Shows exact growth trajectory each year
- Tracks increasing investments through step-ups
Frequently Asked Question (FAQs)
What's the minimum SIP amount?
Typically ₹500/month, but some funds allow ₹100/month.
Can I stop SIP anytime?
Yes, with no penalty (but exit load may apply if redeemed within 1 year) .
How much return to expect from SIP?
Historically 10-15% in equity funds, but past performance ≠ future returns.
Is SIP better than FD?
For long-term (7+ years), SIP usually outperforms FDs after accounting for inflation.
When should I increase my SIP?
With annual salary increments - even 10% step-up makes huge difference long-term.
Which frequency gives highest returns?
Monthly > Quarterly > Yearly (due to earlier compounding) as shown in your calculator's comparative results
How does yearly SIP work in practice?
Single annual investment (like PPF) - use your calculator's yearly option to see projections
Why include inflation adjustment?
Your tool shows both "Total Value" (nominal) and "Real Value Today" (inflation-adjusted) - crucial difference!
Can I change frequencies mid-SIP?
Yes (though not shown in calculator) - would create interesting hybrid scenarios
