SIP Calculator

Each monthly instalment compounds separately for its remaining tenure, summed by the annuity formula FV = P × [((1+i)ⁿ − 1)/i] × (1+i). ₹10,000/month at 12% for 15 years matures to about ₹50.5 lakh on ₹18 lakh invested.

Mathematically, lumpsum wins about two-thirds of the time because markets rise more often than they fall. Behaviourally, SIP wins for most people — it removes timing anxiety, enforces discipline, and suits salaried cash flows. Invest lumpsums when you have them; run SIPs on your income.

Nothing serious — the fund simply does not debit that month (banks may charge a small failed-auto-debit fee after repeated misses). Your existing units keep compounding. Missing instalments breaks the discipline, not the investment.

Yes, over short periods — equity SIPs can be negative for 1–3 years during bear markets. Historically, 7+ year equity SIP horizons in India have rarely produced losses. Match the fund type to your horizon: equity for 7+ years, hybrid for 4–7, debt for under 4.

A SIP that automatically increases each year, typically 10%. A ₹10,000 SIP stepped up 10% annually at 12% for 25 years builds roughly twice the corpus of a flat ₹10,000 SIP — because your income grows, your investment should too.

For goals beyond 7 years, equity SIPs have historically beaten FDs by 4–6% annually after tax; FDs offer certainty, SIPs offer growth. For money needed within 3 years, FDs and debt funds are the right home — never SIP into equity for short-term goals.