SIP Wealth Calculator
Forecast your mutual fund wealth growth, total invested amount, and estimated capital gains over 5 to 30 years.
₹50,45,760
The Power of Compounding via Systematic Investment Plans (SIP)
A Systematic Investment Plan (SIP) enables retail investors to allocate small, disciplined sums regularly into equity and debt mutual funds. Rather than timing volatile market swings, SIP harnesses Rupee Cost Averaging and compounding to build multi-decade generational wealth.
How the Compounding Curve Accelerates
In the initial 5 to 7 years of an equity SIP, your total invested principal comprises the majority of your portfolio value. However, as the compounding cycle matures beyond 10 to 15 years, the accumulated returns begin generating compounding interest on themselves, creating an exponential "hockey stick" trajectory.
5-Year Horizon
Capital accumulation phase; returns begin stabilizing against inflation.
10-Year Horizon
Gains equal or exceed total invested principal; volatility risk declines.
15+ Year Horizon
Exponential growth phase; gains represent 65-80% of entire corpus.
Frequently Asked Questions
What happens if I miss a monthly SIP payment?
Mutual fund houses do not levy penalties for a missed SIP instalment. If your bank account lacks sufficient balance on the debit date, the transaction simply fails for that specific month, while remaining units continue compounding uninterrupted.
What return expectation is realistic for an equity index SIP?
Historically, broad market benchmarks such as Nifty 50 and S&P 500 have generated long-term compounded annualized returns (CAGR) between 11% and 14% over rolling 10-year windows.