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SIP Calculator — SIP Returns & Wealth Growth Projection

Calculate SIP returns with monthly investments and lump sum contributions. See total invested, total returns, and maturity value with yearly wealth projection.

✓ Formula verified: May 2026For informational purposes only

SIP Calculator

Results below

Enter Values

₹
%
years
Total Value (SIP Only)
₹23.23L

Total Invested

₹12.00L

Total Returns

▲ ₹11.23L

Wealth Chart Data

12345678910$0$6.0L$12.0L$18.0L$24.0L
What if your monthly investment changes? ₹9000 → ₹20.91L · ₹10000 → ₹23.23L · ₹11000 → ₹25.56L

Scenario Comparison

Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Wealth Growth Over Time
05.8L11.6L17.4L23.2L
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Related Guides (12)

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SIP vs Lump Sum — Which Investment Strategy Is Better for You?
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SIP for Retirement Planning — How Much to Invest Each Month
Starting a retirement SIP early dramatically reduces the monthly amount needed. A 25-year-old needs only ₹5,000/month for a ₹2 crore retirement corpus. A 35-year-old needs ₹15,000/month.
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Higher education costs rise 8-10% annually. A SIP starting at your child birth can fund even the most expensive degrees. Here is how much to invest.
Best Mutual Funds for SIP in 2026 — Category-Wise Picks
Choosing the right mutual fund for your SIP is crucial. Here are category-wise picks for 2026 based on long-term track record, fund manager consistency, and expense ratios.
SIP vs ELSS — Tax-Saving Investment Comparison
ELSS funds offer tax savings under Section 80C with the potential for equity returns. Here is how ELSS SIPs compare to other tax-saving investments.
SWP & Retirement Income — Complete Guide to Systematic Withdrawal Plans
An SWP (Systematic Withdrawal Plan) turns your investment corpus into a regular monthly income stream. Here is how to plan withdrawals that last throughout retirement.
SWP for Retirement — Building Your Monthly Income Stream
Your retirement corpus can generate monthly income through SWP. Here is how to design a withdrawal plan that provides steady income while preserving your corpus for the long term.
SWP + STP Strategy — Tax-Efficient Withdrawal Planning
By combining SWP with STP, you can structure your retirement withdrawals to minimize taxes while keeping your corpus working efficiently.
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