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SIP

Calculator.

Calculate the future value of your Systematic Investment Plan — see exactly how your ₹500/month grows into lasting wealth through the power of compounding and rupee cost averaging.

AMFI & IRDAI Standards · Institutional Wealth Model
Institutional Model Real-time Compounding

Financial Wealth Calculator

Model realistic compounding with annual salary step-up, post-tax returns (Finance Act 2024), and real inflation purchasing power.

₹
Yrs
%
Presets:
%
0% (Flat SIP) 10% (Salary increment) 25% Max
Fiduciary Real-World Factors Real Value
Adjust for CPI Inflation (6.0% p.a.)
Displays real purchasing power in today's currency.
Deduct LTCG Tax (Sec 112A @ 12.5%)
Finance Act 2024: 12.5% on gains above ₹1.25 Lakh/yr.
Projected Wealth Portfolio
4.2x Capital Multiplier
Expected Nominal Maturity Value
₹ 91,85,632
Today's Purchasing Power: ₹ 38,32,940
Total Capital Invested
₹ 38,25,000
Estimated Wealth Gain
+₹ 53,60,632
Estimated Net In-Hand (Post-Tax)
₹ 85,31,178
Estimated LTCG Tax Liability
₹ 6,54,454
Year Monthly SIP Annual Deposit Total Invested Yearly Gains Closing Value

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How It Works · 4-Step Process

How Does SIP Work?

Four simple steps that transform your monthly savings into compounding, long-term wealth.

01

Choose a Fund

Select a mutual fund based on your financial goals, risk appetite, and investment horizon — equity, debt, or hybrid.

02

Set Amount & Date

Decide how much to invest each month and set an auto-debit date. Completely automated — no monthly decisions needed.

03

Units Allocated

Each month, mutual fund units are purchased at the prevailing NAV. Market dips mean more units — automatic cost averaging.

04

Watch It Grow

Compounding works its magic. Your returns generate their own returns, creating exponential wealth growth over time.

SIP InvestmentAMFI Registered

Start Small. Think Long. Grow Big.

A SIP of just ₹5,000/month at 12% returns over 20 years grows to over ₹49 Lakhs — with only ₹12 Lakhs invested. That is the power of compounding working silently for you every single month.

AMFI Compliant Advisory
SIP Investment
Why SIP · 6 Key Benefits

SIP Benefits at a Glance.

Six compelling reasons why SIP is the most popular investment strategy for Indian families.

Disciplined Investing

SIP automates your investments, building a saving habit without requiring active decisions every month. Set it and let it grow.

Rupee Cost Averaging

Buy more units when prices are low, fewer when high. Automatically reduces the impact of market volatility on your portfolio.

Power of Compounding

Returns earn their own returns, creating exponential wealth growth. Start early to maximize the compounding effect.

Complete Flexibility

Increase, pause, or stop your SIP anytime. No lock-in for most open-ended funds. You stay in full control of your investments.

Tax Benefits (ELSS)

ELSS SIPs qualify for Section 80C deduction up to ₹1.5 lakh per year — save tax while building long-term wealth.

Low Minimum Investment

Start with as little as ₹500 per month. SIP makes wealth creation accessible to everyone regardless of income or experience.

SIP · Key Numbers

500

Minimum Monthly SIP Amount (₹)

12%

Historical Average Annual SIP Returns (Equity)

30

Year Maximum Investment Horizon Available

100%

AMFI Compliant Fund Selection by Our Advisors

FAQ · Common Questions

SIP — Frequently Asked Questions.

Everything you need to know before starting your SIP journey.

Most mutual fund companies in India allow you to start a SIP with as little as ₹500 per month. Some fund houses even offer SIPs starting at ₹100. The low entry barrier makes SIP accessible to students, young professionals, and anyone looking to begin their investment journey.

Yes, you can stop, pause, or modify your SIP at any time without any penalty for most open-ended mutual fund schemes. However, ELSS funds have a mandatory three-year lock-in period per installment. Your invested corpus remains yours to redeem at any time after the lock-in.

SIP is generally better for most retail investors because it eliminates the need to time the market. With rupee cost averaging, you naturally buy more units during market dips and fewer during peaks, reducing overall risk and emotional decision-making over your investment horizon.

No, SIP returns are not guaranteed as they are linked to market performance. Historical data shows that equity SIPs held for seven years or more have rarely delivered negative returns, making long-term discipline the most reliable path to wealth creation.

The best fund depends on your goals and risk tolerance. For long-term wealth creation, large-cap or flexi-cap equity funds are popular. For tax saving, ELSS funds offer Section 80C deductions. For conservative investors, balanced advantage or debt funds provide stability. Our AMFI-registered advisors at Investosure can help you select the ideal fund.

Ready to Start Your SIP Journey?

Our AMFI-registered advisors will help you choose the right fund, set the right SIP amount, and review your portfolio quarterly — completely free of charge.

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