SIP & Mutual Fund Calculator: What It Does
Projects wealth accumulation from Systematic Investment Plans (SIP) in mutual funds and index portfolios. It calculates total invested capital, expected capital gains, and inflation-adjusted maturity values.
Example
Monthly: 5,000, Rate: 12%, Tenure: 10 yearsInvested: 600,000, Estimated Returns: 561,695, Total Value: 1,161,695Compounds recurring monthly contributions at an expected annual rate.
How to Use
- Enter monthly contribution amount, expected annual growth rate, and investment horizon.
- Toggle optional step-up SIP to model annual contribution increases.
- Check the growth chart and year-by-year value projections.
Limitations
- Equity returns are volatile; projections use a fixed hypothetical compound annual growth rate.
- Calculations exclude capital gains taxes, fund expense ratios, and exit load deductions.
Frequently Asked Questions
What is a Step-Up SIP and how does it affect returns?
A Step-Up SIP increases your monthly contribution by a set percentage each year, leveraging salary growth to compound significantly more wealth.
How does compounding frequency affect SIP calculations?
SIP investments typically compound monthly in line with each contribution date, creating slightly higher yields than annual compounding.
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