Free SIP Calculator
Calculate your mutual fund SIP returns with our advanced calculator. Support for daily, weekly, and monthly investments. Plan your financial future today!
SIP Calculator
Calculate your mutual fund returns with our advanced SIP calculator
Investment Details
Configure your SIP parameters
Your Returns
View your investment projection
Understanding SIP Calculator
A Systematic Investment Plan (SIP) calculator helps you estimate the potential returns from your mutual fund investments over time. It uses compound interest calculations to show how regular investments can grow exponentially.
How SIP Works
SIP allows you to invest a fixed amount regularly in mutual funds. This disciplined approach helps in rupee cost averaging and eliminates the need to time the market perfectly.
Benefits of SIP
Start with as low as ₹100, benefit from compounding, reduce market volatility impact through cost averaging, and build wealth systematically over time.
Investment Frequency
Choose from daily (₹100 minimum), weekly (₹350 minimum), or monthly (₹500 minimum) investment options based on your cash flow and convenience.
Power of Compounding
The longer you invest, the more your returns compound. Even small amounts invested regularly can grow to significant wealth over 10-20 years.
SIP vs Lump Sum Investment: Which is Better?
Understanding the difference between SIP and Lump Sum investments can help you make better financial decisions based on your goals and risk appetite.
SIP Investment
RecommendedAdvantages
- Rupee Cost Averaging: Buy more units when prices are low, fewer when high
- Disciplined Investing: Builds regular investment habit
- Lower Risk: Reduces market volatility impact
- Flexible Amount: Start with just ₹100 daily on NiveshPe
- No Market Timing: No need to predict market movements
Disadvantages
- Potential for lower returns in consistently rising markets
- Requires long-term commitment for best results
Ideal For:
Beginners, salaried individuals, risk-averse investors, long-term wealth creation
Lump Sum Investment
Advantages
- Higher Potential Returns: Better in rising markets
- Immediate Deployment: Money works from day one
- Lower Transaction Costs: Single investment
- Simplicity: One-time decision
Disadvantages
- Higher risk due to market timing
- Requires large initial amount
- Emotional stress during market volatility
- No rupee cost averaging benefit
Ideal For:
Experienced investors, large windfall amounts, short-term goals, market timing experts
Our Recommendation
For most investors, SIP is the better choice. It reduces risk, builds discipline, and delivers consistent returns over time. With NiveshPe, you can start a daily SIP with just ₹100, making investing accessible to everyone.
Best SIP Investment Strategies for 2025
Maximize your SIP returns with these proven investment strategies designed for different financial goals and risk profiles.
Growth Strategy
Goal: Maximum wealth creation over 10+ years
Risk: High | Expected Returns: 14-16%
Asset Allocation:
- 80% Large-cap & Mid-cap Equity Funds
- 20% Small-cap & Sector Funds
Balanced Strategy
Goal: Steady growth with moderate risk
Risk: Medium | Expected Returns: 11-13%
Asset Allocation:
- 60% Equity Funds (Large & Mid-cap)
- 40% Debt & Hybrid Funds
Conservative Strategy
Goal: Capital protection with steady returns
Risk: Low | Expected Returns: 8-10%
Asset Allocation:
- 30% Large-cap Equity Funds
- 70% Debt & Conservative Hybrid Funds
Goal-Based Strategy
Goal: Specific financial milestones
Risk: Varies | Expected Returns: 10-14%
Popular Goals:
- House Down Payment (5-7 years)
- Children's Education (10-15 years)
- Retirement Planning (20-30 years)
- Vacation Fund (2-3 years)
Pro Tips for SIP Success
Frequently Asked Questions
Quick answers to help you understand SIP investments better
SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in mutual funds. It works on rupee cost averaging - buying more units when prices are low and fewer when high. With NiveshPe, you can start daily SIP with just ₹100, making wealth creation accessible to everyone.
You can start SIP with just ₹100 daily on NiveshPe! For traditional frequencies: weekly SIP requires minimum ₹350 and monthly SIP needs ₹500. Our daily SIP feature makes investing incredibly affordable and accessible to everyone.
Our SIP calculator uses compound interest formula to estimate maturity amount. Enter your investment amount, tenure, expected returns, and frequency (daily/weekly/monthly). It shows total invested amount, expected returns, and final corpus to help you plan your financial goals.
Yes! Daily SIP provides superior rupee cost averaging as investments are spread across more market days, reducing volatility impact. With NiveshPe's daily SIP starting at ₹100, you get better averaging compared to monthly SIP, leading to potentially higher long-term returns.
SIP in ELSS funds offers tax deduction up to ₹1.5 lakh under Section 80C. Long-term capital gains above ₹1 lakh are taxed at 10%, while gains up to ₹1 lakh are completely tax-free. This makes SIP both a wealth-building and tax-saving tool.
Absolutely! You can use SIP Step-up facility to increase your SIP amount annually by a fixed amount or percentage. This helps match your income growth, beat inflation, and significantly boost long-term wealth creation through the power of compounding.
Diversified equity funds, large-cap, and mid-cap funds are ideal for SIP. NiveshPe offers expert-curated fund baskets optimized for different goals like retirement, children's education, and wealth creation. Choose funds with consistent 5+ year track record and professional management.
Missing 1-2 SIP payments due to insufficient funds is acceptable. However, consecutive misses (typically 3 months) may lead to SIP mandate cancellation. Maintain adequate balance and consider setting up auto-debit to ensure uninterrupted wealth building.
Ready to Start Your SIP Journey?
Join thousands of Indians building wealth through smart SIP investments. Download the NiveshPe app and start with just ₹100!
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