SIP Details
Nifty 50 avg: ~11–12% · Mid-cap avg: ~13–15%
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Estimated Corpus
Total maturity value
₹0
Total Amount Invested₹0
Total Gains₹0
Absolute Return0%
Year-by-Year SIP Growth
| Year | Invested (Cumul.) | Returns Earned | Total Corpus | Gain % |
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How is SIP Return Calculated?
SIP uses the future value of an annuity formula. Each monthly investment earns compounded returns for its remaining period.
FV = P × ((1 + r)^n − 1) / r × (1 + r)
P = Monthly SIP amount
r = Monthly return rate (Annual rate ÷ 12 ÷ 100)
n = Total months (Years × 12)
Frequently Asked Questions
How is SIP return calculated? ⌄
FV = P × ((1+r)^n - 1) / r × (1+r), where each monthly investment grows for the remaining period. Early instalments grow much more than later ones.
What is a good SIP return rate? ⌄
Nifty 50 index funds have delivered 11–13% CAGR over 15+ years. A conservative 10–12% is appropriate for long-term planning.
Is SIP better than lumpsum? ⌄
SIP averages cost through rupee cost averaging, removes timing risk, and builds discipline. Lumpsum can outperform during sustained bull markets.
How much should I invest in SIP monthly? ⌄
A common guideline is 20% of take-home salary. You can start with ₹500/month. Consistency matters far more than the amount.