Systematic Investment Plan (SIP) Calculator
A Systematic Investment Plan (SIP) enables disciplined investing by depositing a fixed amount regularly into mutual funds. Compute total wealth accumulated and compound interest earned.
Sensitivity Analysis
Evaluate how variations in key operational drivers impact SIP Future Maturity Value.
| Sensitivity Case | Assumption Shift | Driver Value | SIP Future Maturity Value | Impact vs Base |
|---|
Formula & Methodology
Maturity Amount = Monthly Deposit * [((1 + i)^n - 1) / i] * (1 + i)PRegular installment deposited every month.
iAnnual expected rate of return ÷ 12 ÷ 100.
nInvestment duration in years × 12.
Practical Worked Example
A disciplined saver invests Rs 10,000 every month in a diversified equity index fund averaging 12% per year for 15 years.
Interpretation & Industry Benchmarks
SIP investing leverages rupee-cost averaging, buying more units when market prices drop and fewer units when prices rise.
Expected benchmark for large & mid-cap equity mutual funds.
Lower volatility mix of debt and equities.
Industry Nuance: Increasing your SIP amount by 10% each year (Step-Up SIP) can boost your final corpus by more than 50%.
Analytical Limitations
- Mutual fund market returns are subject to market risks; past performance does not guarantee future results.
Frequently Asked Questions
What is Rupee Cost Averaging?
By investing a fixed rupee amount regularly regardless of market levels, you automatically buy more units at low prices and fewer at high prices, reducing your average cost per unit.