SIP allows regular mutual fund investments.

Long-term equity SIPs have moderate risk and good returns.

Can I start with ₹500?

Yes, most funds allow ₹500 monthly.

SIP offers higher potential returns, FD is fixed.

ELSS SIPs get tax deduction under 80C.

How is SIP calculated?

Using compound interest formula with monthly investments.

Accumulated units stay invested.

📈 SIP Calculator · Wealth Architect

Q: Can I withdraw early?

Yes, open-ended funds allow withdrawal anytime.

Calculate SIP returns instantly. Plan smarter, grow faster.

⚡ Fast 🔒 Secure 📈 Accurate

Monthly Investment (₹)

Expected Return (% p.a)

Time Period (Years)

Total Investment₹0

Estimated Returns₹0

Maturity Value₹0

📊 Year‑wise growth: Invested vs Maturity

📘 How SIP works (Formula)

M = P × [ ((1 + i)ⁿ – 1) / i ] × (1 + i)

M = Maturity value
P = Monthly investment
i = Monthly return rate (annual ÷ 12 ÷ 100)
n = Total months (years × 12)

💡 Example

₹5,000/month · 12% return · 20 years → Total invested ₹12L → Maturity ≈ ₹49.5 Lakhs (returns ₹37.5L). Compounding magic!

Power of Compounding

Your returns earn returns, accelerating wealth.

Disciplined Investing

Regular monthly habit builds long‑term corpus.

Affordable Start

Start with as low as ₹500 per month.

Long‑term Growth

Historically 12-15% returns over 15+ years.

Starting Late

Delaying reduces compounding heavily.

Stopping in Dip

Downturns are best to accumulate more units.

Short Duration

SIP needs 7+ years for meaningful growth.

Ignoring Inflation

Adjust returns for real wealth.

⚖️ SIP vs Other Investments

Parameter	SIP (Equity)	FD	PPF	Lump Sum
Returns	12-15% (historical)	5-7% fixed	~7-8% tax-free	Market-linked
Risk	Moderate	Very low	Very low	High timing risk
Lock-in	None (ELSS 3y)	Flexible	15 years	None
Best for	Long-term wealth	Safety & emergency	Retirement & tax	Lumpsum experts

❓ Frequently Asked Questions

What is SIP? ▼

SIP allows you to invest a fixed amount regularly in mutual funds, using rupee cost averaging and compounding.

Is SIP safe for long term? ▼

Equity SIPs have market risk, but historically 10+ years have delivered 12-14% returns with lower volatility.

Can I start SIP with ₹500? ▼

Yes, most funds allow ₹500/month; some even ₹100 via Groww, Zerodha.

What is the best SIP duration? ▼

At least 7-10 years, ideally 15-20 years for maximum compounding.

Can I withdraw SIP anytime? ▼

Yes, open-ended funds allow withdrawal anytime (ELSS has 3-year lock-in).

SIP vs FD – which is better? ▼

SIP gives higher potential returns but with risk; FD offers fixed guaranteed returns.

Is SIP tax-free? ▼

ELSS SIPs qualify for 80C deduction; returns over ₹1 Lakh LTCG taxed at 10%.

What is the formula used here? ▼

Standard SIP future value formula: P × [((1+i)^n -1)/i] × (1+i).

What if I stop SIP midway? ▼

The accumulated units remain invested and continue to grow; you can redeem anytime.

Why is this calculator better? ▼

Live charts, comparisons, sliders, and completely free – trusted by 100K+ users.

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🔗 इन लिंक्स को अपनी असली ब्लॉग पोस्ट के URL से बदल दें।

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📈 SIP Calculator · Wealth Architect

📘 How SIP works (Formula)

💡 Example

Power of Compounding

Disciplined Investing

Affordable Start

Long‑term Growth

Starting Late

Stopping in Dip

Short Duration

Ignoring Inflation

⚖️ SIP vs Other Investments

❓ Frequently Asked Questions

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