SIP investing in India — calculators, guides & examples
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals—usually monthly—into mutual funds. Use the tools and guides below to estimate maturity, understand trade-offs, and plan with clear assumptions (not guarantees).
Calculators
Guides
- How SIP works — A plain-language explanation of Systematic Investment Plans, compounding, and what SIP calculators actually estimate.
- SIP vs lump sum — When staggered investing and one-time investing differ—and how to compare them without false precision.
- SIP for beginners — A starter checklist for first-time SIP investors in India—goals, amount, risk and common mistakes.
- SIP taxation basics (illustrative) — High-level overview of how equity-oriented mutual fund gains are often discussed—verify current Income Tax rules.
Example scenarios
₹5,000 SIP for 10 years
See invested amount and estimated maturity for a ₹5,000 SIP over 10 years at an illustrative return, then open the live calculator to change assumptions.
₹5,000 SIP for 20 years
Small SIP, long tenure—shows how time can matter more than starting large.
₹10,000 SIP for 20 years
Long-horizon illustration for a ₹10,000 SIP over 20 years with clear invested-vs-gains framing.
₹20,000 SIP for 15 years
Mid-horizon illustration for a ₹20,000 SIP over 15 years—useful for house-down-payment style goals.
₹25,000 SIP for 20 years
Higher-contribution long-horizon SIP illustration with invested amount vs estimated maturity.
₹10,000 SIP for 15 years with inflation
Side-by-side nominal maturity and an illustrative inflation-adjusted (real) corpus so purchasing power is clearer.
Flat vs 10% step-up SIP (₹10,000)
Compare a flat ₹10,000 SIP with the same starting SIP that rises 10% every year—invested amounts and maturities side by side.
Key terms
FAQs
Is SIP return guaranteed?
No. Market-linked SIPs can rise or fall. Calculators only project outcomes under the return rate you assume.
What return should I assume?
There is no correct single number. Many people stress-test with a range (for example illustrative 8–12% p.a.) and focus on contribution consistency rather than a precise forecast.
Should I use step-up SIP?
If your income is likely to rise and you can sustain higher contributions, an annual step-up often builds a larger corpus than a flat SIP—compare both tools before deciding.
Illustrative content from Aaru Wealth. Not personalised financial advice.