Let’s Talk About the Easiest Way to Get Rich Slowly
You don’t need to trade stocks or chase crypto pumps to build wealth.
Sometimes, all it takes is discipline + ₹1000/month + time.
That’s what a SIP (Systematic Investment Plan) offers — steady investing in mutual funds that builds wealth silently over years.
Use the monthly SIP calculator below to plan your future — whether it’s ₹50 lakh for retirement, ₹25 lakh for your child’s education, or just financial freedom.
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Enter your monthly investment amount
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Choose your time frame (years)
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Pick expected return rate (8%–15%)
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Instantly see your total invested, profit, and future value
If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.
Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.
What is a SIP (Systematic Investment Plan)?
A SIP is a smart way to invest in mutual funds by contributing a fixed amount every month — just like EMI, but for your future.
It brings:
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✅ Discipline (auto-debit every month)
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✅ Rupee Cost Averaging (buy more units when market dips)
SIP Benefits
Benefit |
Why It Matters |
|---|---|
Small Start, Big Finish |
Start with just ₹500/month |
Automated & Hassle-Free |
Set it, forget it — let your money grow |
Rupee Cost Averaging |
Beats timing the market consistently |
Compounding Power |
₹5,000/month can become ₹1 crore in 25 years |
Goal-Based Planning |
Plan for child’s education, retirement, dream home |
Story: How Sumit Turned ₹2,000/Month into ₹30+ Lakh
Sumit, a 26-year-old IT professional in Pune, started a SIP of ₹2,000/month in 2005 in a diversified mutual fund.
He never stopped — even during the 2008 crash and COVID dip.
In 2025, his total investment of ₹4.8 lakh has grown to ₹30+ lakh — that’s a CAGR of ~15%.
Moral? Discipline beats timing. Start early, stay invested, and let compounding do its magic.
Historical Returns (India) — SIP vs Lumpsum
Investment Type |
Monthly SIP (15 yrs) |
Total Invested |
Final Value (12% CAGR) |
|---|---|---|---|
₹5,000 |
₹9 lakh |
₹20.3 lakh |
|
Large Cap Fund |
₹10,000 |
₹18 lakh |
₹40+ lakh |
Small Cap Fund |
₹5,000 |
₹9 lakh |
₹25–30 lakh |
Even a basic index SIP beats FDs, Gold, or Real Estate over the long run.
Pro Tips for SIP Investors
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🕐 Start early — time > money
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🔁 Increase SIP yearly — use step-up SIP
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🧘 Don’t stop during crashes — that’s when compounding works best
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📈 Choose funds with long-term track record (not trending ones)
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🔍 Review once a year — don’t micro-manage monthly
If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.
Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.
FAQs – Monthly SIP Calculator
How accurate is this SIP calculator?
It uses the standard compound interest SIP formula. Real returns may vary slightly based on market performance, fund type, and fees.
What is a good return to expect?
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Conservative: 10%
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Realistic: 12%
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Aggressive: 14–16% (small/mid-cap funds)
Can SIP make me a crorepati?
Yes. For example, ₹5,000/month at 12% return grows to ₹1 crore in ~24 years.
Should I stop SIP during a market crash?
No! In fact, you buy more units at lower NAV — this improves your long-term returns.
Are SIP returns guaranteed?
No. SIPs are subject to market risks. But historically, long-term SIPs in equity funds have performed very well.
Conclusion: SIP is the New Superpower
You don’t need to be rich to start.
You need to start to get rich.
With just ₹100/day, SIP helps you:
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Plan your future
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Fight inflation
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Build real wealth — passively
Use the SIP Calculator now → set your target → start small → stay consistent.
Bonus Tip – Enable auto-increase SIP by 10% every year. It boosts your final wealth by 30–40% with minimal effort. You can use Moneycontain Step up SIP Calculator to find the future value.
What is the one thing that you want when you get old? Time, so that you can correct and reverse the mistakes you did in past.
Time is equal for all of us on this planet at least? The more you invest your present time in right direction and decision, better will be your future.
Do start investing today, if you are not because the people who wait for right time, it does not come simply.
There are many types of investment that can be made in different financial instruments such as Stocks, SGB, ETF etc. However, investing is not everyone’s cup of tea, understanding the fundamentals (reading balance sheets, cashflow, profit-loss statement, annual reports etc. as well as doing technical analysis to choose stocks and create a portfolio takes time, learning and energy.
Instead, you can choose the list of different mutual funds schemes offered by the various Asset Management Companies(AMC) such as SBI, HDFC, UTI, AXIS, ICICI etc. and invest in them in a systematic way. This way is much better as you would be better disciplined with less risk.
Wanted to invest or have invested in Post Office Time Deposit (TD) account then first check how much you can get by using Post Office Time Deposit (TD) Calculator
If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.
Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.
Are you looking to invest in fixed deposits than do check, How Much You Can Get Monthly From Fixed Deposits. Also, see highest interest rate offering bank for fixed deposits(FD) in India.
Choosing between renting and buying a home is one of the biggest financial decisions you’ll ever make. Use our Rent versus Buy home Calculator to solve this within minutes.
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Disclaimer
The Monthly SIP Calculator provides estimates based on assumed returns and does not guarantee future performance. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. This tool is for informational purposes only and should not be considered financial advice. Always consult a SEBI-registered advisor for personalized guidance.
