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Now that you know what your SIP can grow to, learn how to invest it better with the 1% Club
Learn MoreWhat is a SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount into a mutual fund at regular intervals, usually monthly, instead of investing a lump sum all at once. It’s the most common way Indians invest in mutual funds, since it turns investing into a habit rather than a one-time decision. For a fuller walkthrough of getting started, see our guide on how to invest in mutual funds.
Normal SIP vs Step-Up SIP
This calculator supports two methods under Method of Investment, with the same dropdown pattern as our Goal SIP Calculator: Normal SIP keeps your monthly amount fixed for the full period. Step-Up SIP increases it by a set percentage every year, matching income growth over time. If you’re deciding between the two, or between SIP and investing a lump sum altogether, see our breakdown of SIP vs lumpsum investing.
How to Use 1% Club’s SIP Calculator
- Enter your Monthly SIP Amount: the fixed sum you plan to invest each month
- Enter your Expected Return (Per year): your assumed annual return rate
- Set your Time Period (using the slider): how many years you’ll stay invested
- Choose Method of Investment: Normal SIP (default) or Step-Up SIP
The calculator instantly shows your Invested Amount, Returns Generated, and Total Amount, so you can see the full picture before committing to a number.
Is SIP Risk-Free?
No. A SIP is a way of investing, not a guarantee of return. Since SIPs typically go into mutual funds, and mutual funds are market-linked, your returns depend entirely on how the market and the underlying fund perform. SIPs reduce one specific risk, timing risk, by spreading your investment across market highs and lows rather than investing everything at once, but they don’t eliminate market risk itself. It’s genuinely possible for a SIP to be in loss at any given point, especially over shorter periods, though a longer time horizon has historically improved the odds of positive returns. For a deeper look at how SIP investing actually works over time, see our guide on SIP investment.
The 15x15x15 Rule Explained
This is a genuinely well-known SIP benchmark, not a marketing claim: invest ₹15,000 a month via SIP in an equity mutual fund earning an average 15% annual return, for 15 years, and the corpus works out to just over ₹1 crore. It’s a useful mental shortcut for what disciplined, long-term SIP investing can look like, though it depends entirely on actually achieving that 15% average return, which isn’t guaranteed and varies by fund and market conditions.
SIP vs Fixed Deposit: Which is Better?
Neither is universally better; they carry different trade-offs. An FD offers a fixed, guaranteed return, decided at the time you open it, with no market risk. A SIP into an equity mutual fund has historically offered higher long-term returns than FDs, but with real market risk and no guarantee. If capital safety matters more to you than growth, an FD may fit better. If you have a long time horizon and can tolerate market ups and downs, a SIP has more growth potential. The right answer depends on your goal’s timeline and how much risk you’re comfortable carrying, not a fixed rule either way.
Frequently Asked QuestionsEverything you want to know
How much is 1000 SIP for 5 years?
At an illustrative 12% annual return, ₹1,000 invested monthly for 5 years grows to approximately ₹82,486. Actual returns depend on the fund and market performance; this isn’t a guaranteed outcome.
Which SIP gives 40% return?
No SIP or mutual fund can promise a fixed return like 40%; returns are entirely market-dependent and vary by fund, time period, and market conditions. Some equity funds have delivered strong returns in specific years, but past performance doesn’t guarantee future results, and no legitimate calculator or advisor can tell you in advance which fund will deliver a specific percentage.
What is 30,000 monthly SIP for 5 years?
At an illustrative 12% annual return, ₹30,000 invested monthly for 5 years grows to approximately ₹24,74,591.
Is FD better than SIP?
Neither is universally better. FDs offer guaranteed, fixed returns with no market risk. SIPs into equity mutual funds carry real market risk but have historically offered higher long-term growth potential. The right choice depends on your risk tolerance and timeline, not a fixed answer.
Is SIP risk-free?
No. SIPs reduce timing risk by spreading investments across market highs and lows, but the underlying mutual fund is still market-linked, so your returns are never guaranteed.
Can SIP go in loss?
Yes, particularly over shorter periods or during market downturns. A SIP’s value reflects the underlying fund’s market performance at any given point; it can be below your invested amount temporarily, even if longer holding periods have historically improved outcomes.
What is the 15 rule in SIP?
Also called the 15x15x15 rule: investing ₹15,000 a month for 15 years at an average 15% annual return works out to just over ₹1 crore. It’s a well-known benchmark for long-term SIP discipline, not a guaranteed outcome.
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