Academic Tools

SIP Calculator

Estimate what a fixed monthly investment, a Systematic Investment Plan, could grow to over time.

Monthly Investment (₹)

Enter an amount between ₹500 and ₹10,00,000.

Expected Return Rate (% p.a.)

Enter a rate between 1% and 30%.

Time Period (Years)

Enter a period between 1 and 40 years.

Total Value

₹

0.00

Invested Amount₹ 0.00

Est. Returns₹ 0.00

Total Value Split —

Invested Returns

warning

"Do not save what is left after spending; spend what is left after saving."
— Warren Buffett

function SIP Formula

M = P × [((1 + i)ⁿ − 1) / i] × (1 + i)

P is the monthly SIP, n the number of months and i the monthly rate, (1 + r)^1/12 − 1

event_repeat

Discipline Over Timing

Investing a fixed amount every month builds a saving habit, whatever the market is doing that month.

balance

Rupee Cost Averaging

A fixed SIP buys more units when prices are low and fewer when they are high, which smooths out your average cost.

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Start Small, Start Early

Modest monthly amounts grow large over long periods. Starting a few years earlier often matters more than investing more.

Reeju Datta

Cofounder, Cashfree

" Understanding finance isn't just about balancing budgets; it's about mastering - opportunity, risk, and innovation. Initiatives like the National Finance Olympiad are instrumental in cultivating this essential skill set "

Soumya Kanti Purkayastha

Ex-CBO Aakash Educational Services

" Cultivating financial literacy among the youth is paramount for their future success. The NFO is equipping them with the tools they need to navigate the complexities of finance & build a secure future "

Professor Sankarshan Basu

Finance Professor, IIM Bangalore