SIP Calculator at 8% Annual Returns

Plan conservatively with 8% returns. Suitable for debt mutual funds, conservative hybrid funds, or planning with a safety margin.

Use our calculator pre-loaded with these values:

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Why Use 8% for SIP Planning?

While equity SIPs have historically returned 10-14%, using 8% gives you a conservative buffer. This rate is suitable for: debt mutual funds, conservative hybrid funds, or planning with a margin of safety. ₹10,000/month at 8% for 15 years = ~₹34.6 lakhs (vs ~₹50 lakhs at 12%). Always plan conservatively!

Disclaimer: This calculator is for educational purposes only. Mutual fund investments are subject to market risks. Please consult a financial advisor before investing.