Question 1

What is SIP and how does this calculator work?

Accepted Answer

SIP (Systematic Investment Plan) lets you invest a fixed amount monthly. The calculator uses compound growth formula: Future Value = Monthly × ((1+r)^n − 1)/r × (1+r), where r is monthly return rate and n is months.

Question 2

What return percentage should I use?

Accepted Answer

For Indian equity mutual funds, 10-12% is realistic long-term. Debt funds 6-8%. Hybrid 8-10%. Don't assume 15%+ as that's not sustainable. Use 12% as a balanced default.

Question 3

How long should I invest in SIP?

Accepted Answer

Minimum 5 years for equity SIPs to ride out market volatility. 10+ years for retirement goals. Longer horizon = better compounding, less risk.

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