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By the Numbers
What is a SIP?
A Systematic Investment Plan (SIP) is a method of investing a fixed amount in a mutual fund scheme at regular intervals — typically monthly. It's one of the most disciplined and effective ways to build long-term wealth through the power of compounding.
Instead of trying to time the market, SIP investors spread their purchases across market cycles, averaging out the cost per unit over time — a strategy known as Rupee Cost Averaging.
How Our SIP Calculator Works
Our calculator uses the standard compounding formula applied monthly, iterating month-by-month to account for step-up SIP (where contributions grow by a fixed amount or percentage each year or month). This mirrors the real behavior of actual mutual fund SIP investments more accurately than a simplified lump-sum formula.
The formula for regular SIP (no step-up) is:
FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r)
Where P = monthly investment, r = monthly interest rate, n = number of months.
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