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About the SIP Calculator
A Systematic Investment Plan puts a fixed amount into a mutual fund every month. Because the amount is fixed and the price is not, you buy more units when markets fall and fewer when they rise — which is what makes the discipline valuable rather than the timing.
The compounding is the point. ₹10,000 a month for fifteen years at 12% puts in ₹18 lakh and returns roughly ₹50 lakh. Two-thirds of that corpus is growth, not contribution, and almost all of it arrives in the final third of the period.
The formula
The trailing (1+i) reflects investing at the start of each month, which is how a SIP mandate actually runs.
Things worth knowing
Frequently asked questions
Each instalment compounds for the months remaining until maturity, so the future value is P × [((1+i)^n − 1) ÷ i] × (1+i), where i is the monthly rate. The calculator applies this and charts the year-by-year build-up.
Historically, Indian equity indices have delivered roughly 11–13% over long periods. Assume 10–12% for equity funds, 7–8% for hybrid and 6–7% for debt. Anything above 15% in a projection is optimistic.
For most investors yes, because it removes the need to time the market and matches how salaries arrive. A lump sum outperforms if invested at a market low — which is knowable only afterwards.
Yes. Each instalment is treated as a separate purchase for holding-period purposes. Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% long term, or 20% if the units are sold within a year.
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