$100/Month Sip Calculator

This SIP calculator focuses specifically on $100/Month monthly investments. Starting a SIP with $100/Month is realistic for many investors—not so small that it won't matter, but not so large that it strains your budget. This calculator shows how consistent $100/Month monthly investments can grow into substantial wealth over time. The key is consistency and patience. Whether you're just starting your investment journey or this represents a portion of your overall investment strategy, seeing the long-term projections of $100/Month monthly can be surprisingly motivating.

Begin by entering your planned monthly investment amount. Choose your investment period—how many years you plan to continue investing. Longer is almost always better with SIPs; the power of compounding needs time to work. Select your expected return rate based on your fund type: debt funds 6-8%, balanced funds 8-10%, equity funds 12-15% over long periods. Being conservative is smart; it's better to be pleasantly surprised than disappointed. Watch how the results change as you adjust values. Try increasing your SIP amount by ₹500 or ₹1,000—the long-term difference might surprise you.

The results show three crucial numbers: total investment (your contributions), total returns (what your money earned), and final corpus (your wealth at the end). Most people are amazed by how much comes from returns versus contributions. The calculator often includes a chart showing wealth accumulation over time. Notice how growth is modest initially but accelerates dramatically later—that's compounding at work. Some calculators show year-by-year breakdowns, revealing exactly when you'll cross major milestones like ₹10 lakhs, ₹25 lakhs, or ₹1 crore. This helps maintain motivation during market downturns when you might be tempted to stop investing—which is precisely when you shouldn't. Remember that SIP returns aren't linear; some years you'll earn 20%, others you might lose 10%. The expected return is an average over long periods.

Consider someone starting a SIP of $100/Month. They invest ₹100 monthly in an equity mutual fund, planning to continue for 20 years, assuming 12% annual returns (reasonable for equity funds over long periods). Their total investment over 20 years would be ₹24,000. But thanks to compound returns, their corpus would grow to approximately ₹99,915. That means ₹75,915 came from investment returns—that's 316% more than they contributed. Now, what if they increased their SIP by 10% annually as their income grows? Starting with ₹100 and increasing each year, their final corpus could exceed ₹179,847. This is why financial advisors emphasize starting early and increasing investments as income grows—the difference becomes life-changing.