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SIP Investment Calculator

Estimate your wealth creation through systematic investments

Pay for certain years and let your investment grow for additional years
15 Years
1 Year30 Years
₹/Month
12% p.a.
1%30%
Invested Amount
₹0
Wealth Gained
₹0
Total Value After 15 Years

₹0

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What is a SIP?

SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly in mutual funds. It builds wealth over time through the power of compounding.

Benefits of SIP Investment

  • ✅ Low risk due to rupee-cost averaging
  • ✅ Helps you build financial discipline
  • ✅ Suitable for beginners and long-term investors
  • ✅ Less affected by market fluctuations
  • ✅ "Pay for X, Stay Invested Y" option maximizes compounding benefits

Understanding "Pay for X, Stay Invested for Y years"

This powerful strategy allows you to stop making payments after X years while letting your accumulated investment continue growing for additional Y years. This leverages the full power of compounding:

  • • Example: Pay ₹10,000/month for 15 years, then let it grow for another 10 years
  • • Your total investment period becomes 25 years
  • • You only pay for 15 years, but earn returns for 25 years
  • • This significantly increases your final corpus with no additional investment
  • • Perfect for retirement planning or long-term goals

SIP vs Lump Sum Investment

FeatureRegular SIPExtended SIP (Pay X, Stay Y)Lump Sum
Investment TypeMonthly Small AmountMonthly for X years, then grow for Y yearsOne Time Large Amount
Risk LevelLow to ModerateLow to ModerateHigh
Best ForSalaried / BeginnersLong-term goals like retirementExperienced Investors
Compounding BenefitGoodExcellentGood

Frequently Asked Questions (FAQ)

SIP is a method of investing small amounts regularly in mutual funds.

Yes, SIP reduces market risk through averaging.

You can start SIP from ₹500 per month.

Yes, SIP can be paused or stopped anytime without penalty.

It depends on your risk profile, investment horizon, and goals.

This strategy allows you to stop payments after X years while your investment continues growing for additional Y years, maximizing compounding benefits.

Yes, most mutual funds allow you to increase or decrease your SIP amount.

No, SIP returns depend on market performance and are not guaranteed.

Most funds have a grace period. Check with your fund house for specific policies.

Yes, you can start with as low as ₹500 per month.
Motilal Oswal
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