SIP (Systematic Investment Plan) Calculator

Many SIPs can continue for years and some can be set as perpetual instructions until you stop them. For planning, it is common to model a finite tenure such as 10, 20, or 30 years, but the operational limit depends on the AMC and mandate settings.

Not exactly. A mutual fund is the investment product, while a SIP is just the method of investing into that product at regular intervals. You can think of SIP as the contribution mechanism and the mutual fund as the underlying asset you are buying.

Yes, in most cases you can increase, decrease, stop, or start a fresh SIP depending on the fund house and the platform you use. Some investors also use top-ups or step-up SIPs to automatically raise contributions over time.

No. SIPs are available across multiple mutual fund categories including equity, debt, hybrid, index, and some solution-oriented funds. The SIP simply automates recurring investment; it is not limited to equity funds only.

Common variants include fixed SIPs, top-up or step-up SIPs, flexible SIPs, perpetual SIPs, and trigger-based SIPs on some platforms. Each one changes how your monthly contribution is scheduled or adjusted over time.

Yes. If you started a SIP for a fixed period, you can usually renew it or create a fresh instruction once the tenure ends. Perpetual SIPs generally continue until you actively cancel or modify them.

Many fund houses and brokers let you pause SIP installments for a limited period, subject to their rules. This can be useful during temporary cash-flow stress, but you should confirm the pause window and restart conditions with your platform.

For equity mutual fund SIPs in India, many planners use 10–12% as a reasonable long-term assumption based on the Nifty 50 historical CAGR of roughly 12–13% over 15+ year windows. For debt fund SIPs, 6–8% may be more realistic. Always use conservative assumptions for goal planning rather than chasing best-case returns.

Yes. SIPs into ELSS (Equity Linked Savings Scheme) mutual funds qualify for a deduction of up to ₹1.5 lakh per year under Section 80C of the Income Tax Act. ELSS funds have a mandatory 3-year lock-in period per installment, which is the shortest among all 80C instruments.

SIP spreads your investment across regular intervals, which averages the purchase cost over time (rupee cost averaging). Lumpsum invests the entire amount at once. SIP is generally better suited for salaried investors with monthly income, while lumpsum works well when you have a windfall or existing corpus to deploy immediately.