SIP Calculator
Systematic Investment Plan — apna paisa kaam karne do
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Past performance is not indicative of future results. Paise Samjho does not provide financial advice.
Home › Calculators › SIP Calculator
📈 Complete Guide

SIP Calculator — Samjho Apna Paisa

🕒 10 min read Updated 2025 Hinglish mein

SIP kya hai, kaise kaam karta hai, formula kya hai, aur aapko kitna invest karna chahiye — sab kuch simple bhasha mein. Upar calculator use karein, neeche samjhein.

Is Page Mein
  1. SIP kya hota hai
  2. SIP Calculator ka Formula
  3. Live Example — ₹5,000/Month
  4. Monthly SIP Returns Table
  5. SIP vs Lump Sum
  6. SIP ke 7 Zaroori Tips
  7. Aksar Pooche Jane Wale Sawal

SIP kya hota hai — Simple Shabdon Mein

Socho ki har mahine aap ₹5,000 apni piggy bank mein daalte ho — lekin woh piggy bank sirf rakhti nahi, compound interest ke saath badhti bhi hai. Yahi SIP ka concept hai.

Systematic Investment Plan (SIP) ek tarika hai jisme aap har mahine ek fixed amount mutual fund mein invest karte hain. Yeh amount automatically aapke bank account se deduct hoti hai aur chosen fund mein invest ho jaati hai. Na market timing ki chinta, na bade amount ki zaroorat.

₹100
Minimum monthly SIP
15Cr+
Active SIP accounts in India
12–15%
Historical avg. equity returns

SIP ka sabse bada faida yeh hai ki isme Rupee Cost Averaging kaam karta hai. Jab market neeche hoti hai, aapke paise zyada units khareedते hain. Jab market upar hoti hai, value badhti hai. Is tarah risk automatically spread ho jaata hai.

📌 Yaad Rakho

SIP ek investment vehicle hai, na ek specific fund. Aap SIP ke through equity funds, debt funds, hybrid funds, ya index funds mein invest kar sakte hain. Choice aapki hai.

SIP Calculator ka Formula

SIP maturity amount calculate karne ka standard formula yeh hai — wahi jo banks aur AMFI bhi use karte hain:

📐 SIP Maturity Formula
M = P × { [(1 + r)ⁿ – 1] / r } × (1 + r) Simplified: FV = P × [(1+r)ⁿ – 1] / r × (1+r)
M Maturity amount (total value at end)
P Monthly SIP investment amount (₹)
r Monthly rate = Annual rate ÷ 12 ÷ 100
n Total months = Years × 12

Yeh formula compound interest use karta hai — matlab aapke returns pe bhi returns milte hain. Is wajah se long term mein SIP ka jadoo dikhai deta hai. 20 saal vs 10 saal ka fark sirf double nahi, kaafi zyada hota hai — kyunki compounding exponential hai, linear nahi.

💡 Einstein’s Quote

“Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it.” — Aur yahi SIP ka sabse bada power hai.

Live Example — ₹5,000/Month SIP

Chalo ek real example dekhte hain. Maan lo aap ₹5,000 per month invest karte hain, 12% annual returns ki expectation ke saath, 15 saal ke liye:

🧮 SIP Calculation — ₹5,000/mo @ 12% for 15 years
Monthly Investment ₹5,000
Total Duration 15 Years (180 months)
Expected Annual Return 12%
Total Amount Invested ₹9,00,000
Estimated Returns Earned ₹16,22,879
Total Maturity Value ₹25,22,879

Dekha? Aapne sirf ₹9 Lakh invest kiye, lekin 15 saalon mein aapke paas ₹25.2 Lakh ho gaye. Iska matlab — aapka paisa almost 2.8x ho gaya. Yeh magic nahi, yeh compounding ka kamaal hai.

Agar 5 saal aur ruke toh?

Same ₹5,000/month, same 12% returns — lekin 20 saal tak:

🚀 20 Saal Mein — ₹5,000/mo @ 12%
Total Invested ₹12,00,000
Returns Earned ₹37,95,740
Maturity Value ₹49,95,740

5 saal aur rukne se — aapka paisa ₹25L se ₹50L ho gaya. Sirf ₹3L extra invest karke ₹24L extra mila. Yahi compounding ki asli taakat hai.

Monthly SIP Returns Table

Neeche table mein dekho — alag alag SIP amounts aur time periods pe kitni value banti hai (12% annual returns assume karte hue):

Monthly SIP 5 Saal 10 Saal 15 Saal 20 Saal 25 Saal
₹1,000/mo ₹81,669 ₹2.32 L ₹5.04 L ₹9.99 L ₹18.9 L
₹3,000/mo ₹2.45 L ₹6.97 L ₹15.1 L ₹29.9 L ₹56.8 L
₹5,000/mo ₹4.08 L ₹11.6 L ₹25.2 L ₹49.9 L ₹94.8 L
₹10,000/mo ₹8.16 L ₹23.2 L ₹50.4 L ₹99.9 L ₹1.89 Cr
₹25,000/mo ₹20.4 L ₹58 L ₹1.26 Cr ₹2.49 Cr ₹4.74 Cr
₹50,000/mo ₹40.8 L ₹1.16 Cr ₹2.52 Cr ₹4.99 Cr ₹9.48 Cr

* Yeh values estimated hain at 12% annual compounded returns. Actual returns market conditions par depend karte hain.

SIP vs Lump Sum — Kya Fark Hai?

Bahut log confuse hote hain — ek baar mein paisa laga doon ya mahine mahine? Dono ke apne fayde hain:

Parameter SIP Lump Sum
Minimum Amount ₹100/month se shuru Usually ₹5,000+
Market Timing Risk Kam — averaged out hota hai Zyada — galat waqt pe invest kar sakte ho
Discipline Required Auto-debit se automatic Ek baar hi lagana hota hai
Suitable For Salaried, regular income wale Bonus, inheritance, ek baar ki income
Rupee Cost Averaging ✅ Haan ❌ Nahi
Long-term Returns Comparable Potentially higher (if timed right)
🏆 Bottom Line

Beginners ke liye SIP better hai. Market ka andaza lagana bahut mushkil hai. SIP ke saath aap consistently invest karte rehte ho — aur long term mein yeh strategy kaam aati hai. Agar aapke paas ek baar mein badi raqam hai (jaise bonus), usse lump sum mein lagao aur baaki regular SIP karte raho.

SIP ke 7 Zaroori Tips

Yeh tips follow karo toh aapka SIP journey smooth rahega:

  • 📅
    Jitna jaldi shuru karo, utna accha. 25 saal mein shuru ki gayi SIP, 35 saal mein shuru ki gayi SIP se kaafi zyada worth hogi — even if amounts same hoon. Time ek invaluable asset hai.
  • 📈
    Step-Up SIP try karo. Har saal apni SIP amount 10–15% badhao. Salary ke saath investment bhi badhni chahiye. Is ek habit se aap years mein crores ki difference bana sakte ho.
  • 😴
    Market girne par band mat karo. SIP ka sabse bada dushman hai panic. Jab market gire, aapke paise aur zyada units khareedenge — yeh acchi baat hai. Band karne se loss pakka ho jaata hai.
  • 🎯
    Goal-based SIP rakho. “Retirement ke liye,” “Ghar ke liye,” “Bache ki padhai ke liye” — specific goal hone se aap committed rehte ho. Bina goal ke SIP beech mein chhoot jaati hai.
  • 🔄
    Sal mein ek baar review karo. Fund ka performance dekho. Agar consistently underperform kar raha hai toh switch karo — lekin har 3 mahine mein nahi, ignore short-term ups and downs.
  • 💼
    3–4 funds mein diversify karo. Sabse zyada unka naam sunke invest mat karo. Ek large cap, ek mid cap, aur ek index fund — yeh basic diversification bahut kaam aati hai.
  • 📊
    Direct Plans choose karo. Regular plans mein commission hoti hai. Direct plans (through AMC website ya apps like Coin, Groww) mein zyada returns milte hain — same fund, lower expense ratio.

Aksar Pooche Jane Wale Sawal

SIP ke baare mein logon ke sabse common doubts:

SIP calculator ek online tool hai jo aapko batata hai ki agar aap har mahine ek fixed amount mutual fund mein invest karte hain, toh ek certain time period aur expected return rate par aapko kitna paisa milega. Yeh compound interest formula use karta hai aur instantly result deta hai bina kisi manual calculation ke.
SIP maturity amount = P × {[(1 + r)ⁿ – 1] / r} × (1 + r), jahan P = monthly investment, r = monthly interest rate (annual rate ÷ 12 ÷ 100), aur n = total months (years × 12). Yahi formula banks aur AMFI bhi use karte hain.
Nahi. SIP mutual fund mein invest karta hai jo market-linked hota hai. Returns guaranteed nahi hote. Calculator mein jo percentage daali jati hai woh expected ya assumed return rate hota hai. Actual returns market conditions par depend karte hain — kam bhi ho sakte hain, zyada bhi.
Zyaadatar mutual funds mein SIP ₹100 se ₹500 per month se shuru ho sakti hai. Kuch funds mein minimum ₹1,000 hota hai. Paise Samjho ki salah: jitna comfortable ho utna invest karo, consistency zyada zaroori hai amount se.
SIP mein aap regular intervals par chhoti chhoti rakam invest karte hain, jisse rupee cost averaging ka faida milta hai — market timing ki zaroorat nahi padti. Lump Sum mein ek baar badi raqam invest ki jaati hai. SIP beginners ke liye aur salaried logon ke liye better hai kyunki discipline automatically aata hai.
Large cap mutual funds ne historically 10–13% annual returns diye hain over long periods (10+ years). Mid/small cap funds 13–18% tak bhi de sakte hain lekin risk bhi zyada hota hai. Index funds (Nifty 50) ne ~12% avg. diya hai last 20 saalon mein. 12% ek reasonable long-term assumption hai, lekin guaranteed nahi hai.
Equity mutual funds mein agar aap 1 saal se zyada hold karte ho toh Long Term Capital Gains (LTCG) tax lagta hai — 1.25 lakh se zyada gains par 12.5%. 1 saal se kam hold karne par Short Term Capital Gains (STCG) 20% lagta hai. ELSS funds mein SIP se Section 80C ke under ₹1.5L tak tax deduction bhi milti hai.
Haan, aap SIP kisi bhi waqt pause ya stop kar sakte hain — koi penalty nahi hoti (ELSS ke alawa, jisme 3 saal ka lock-in hota hai). Lekin experts kehte hain ki SIP beech mein band karne se compounding ka fayda kam ho jaata hai. Better hai amount ghata lo, band mat karo.

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Disclaimer: Paise Samjho ek educational platform hai. Is website par di gayi jaankari sirf educational purposes ke liye hai. Yeh financial advice nahi hai. Koi bhi investment decision lene se pehle SEBI-registered financial advisor se salah lein. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.

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