SIP calculator for Indian investors

Use this free SIP calculator to plan before you invest. Adjust monthly amount, tenure, and expected return to match your salary comfort and goals.

A Systematic Investment Plan (SIP) invests a fixed sum regularly in mutual funds — popular among salaried Indians because it matches payday habits.

Start investing

What is a Systematic Investment Plan (SIP)?

A SIP is a method of investing a fixed amount at regular intervals (usually monthly) into mutual funds. It helps salaried employees build discipline, benefit from rupee-cost averaging, and avoid timing the market with one large lumpsum.

Saventh supports SIPs from many Indian AMCs via BSE Star MF under AMFI ARN 324457.

CTA: `.button-2` → "SIP on Saventh" → `/products/investing`

How to use the SIP calculator

1. **Monthly SIP amount** — e.g. ₹5,000 aligned to post-salary date

2. **Tenure** — Years until goal (home, retirement, open wealth)

3. **Expected return** — Use conservative annual % for planning (not a promise)

4. **Review output** — Total invested vs estimated maturity value

Try step-up scenarios manually by increasing amount for later years, or use `/calculators/lumpsum` for bonus additions.

SIP examples for salaried Indians

Early career

₹3,000/month for 25 years toward retirement corpus

Home goal

₹15,000/month for 7 years toward down payment — pair with `/products/goals`

Tax-saving ELSS

₹12,500/month to max ₹1.5 lakh 80C via ELSS SIP — see `/products/tax`

SIP vs lumpsum — when to use each

Many workplaces promote payroll-aligned SIP via Saventh → `/employers/workplace-sip`

	SIP	Lumpsum
Cash flow	Monthly from salary	Bonus, inheritance, savings
Discipline	High — automated habit	Requires timing decision

Explore more calculators

Retirement calculator → `/calculators/retirement`
Inflation calculator → `/calculators/inflation`
SWP calculator → `/calculators/swp`
All calculators → `/calculators`

Frequently asked questions

See **Page FAQs** below.

Frequently asked questions

Is this SIP calculator free?

Yes. Saventh provides this SIP calculator free on saventh.com. No login required.

Can I invest directly after calculating?

Yes. When ready, open the Saventh investor app to start KYC-compliant mutual fund SIPs.

What return rate should I enter?

Use conservative assumptions for planning. Equity mutual funds have varied historically; future returns are not guaranteed.

Does SIP guarantee profit?

No. SIPs reduce timing risk but mutual funds remain market-linked and can lose value in the short term.

What is the minimum SIP on Saventh?

Many schemes allow from ₹500/month depending on AMC and scheme rules.

Ready to start your SIP?

Open the Saventh investor app — KYC, goal SIPs, and BSE Star MF execution under ARN 324457.

Start investing

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Saventh is an AMFI-registered mutual fund distributor (ARN 324457).

Saventh Investment is an AMFI Registered Mutual Fund Distributor.

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Saventh Investment makes no warranties or representations, express or implied, on products offered through the platform of Saventh Investment. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

AMFI Registered
ARN - 324457