SIP Calculator

At an assumed 12% annual return rate, investing ₹5,000 monthly for 10 years results in a total investment of ₹6,00,000 and an estimated maturity value of approximately ₹11,20,538 to ₹11,61,695 (depending on nominal vs effective monthly rate compounding conventions), earning over ₹5.2 to ₹5.6 lakh in compounding returns.

To reach ₹1 Crore in 15 years at an expected 12% p.a. return, you need a monthly SIP of approximately ₹20,000 to ₹20,800. If you extend your timeline to 20 years, the required monthly SIP drops to approximately ₹10,000 due to the power of extra compounding time.

A Step-Up (or Top-Up) SIP is a strategy where you automatically increase your monthly contribution periodically—typically once a year by 5%, 10%, or a fixed rupee amount (e.g. ₹1,000). This aligns your investments with your rising annual income and accelerates wealth accumulation.

Inflation erodes purchasing power over time. While your nominal corpus might be ₹1 Crore in 20 years, at an average 6% annual inflation rate, that ₹1 Crore will have the purchasing power of approximately ₹31.18 Lakh in today's money. Our calculator lets you enable an inflation adjustment to view real wealth values.

Yes. Switch to "Goal Planner" mode on our calculator, enter your target corpus (e.g. ₹25,00,000) and time horizon, and the calculator will automatically compute the exact monthly SIP amount required to achieve that goal.

No. Mutual fund returns are market-linked and cannot be guaranteed. SIP returns depend on the performance of underlying equity or debt securities held by the fund scheme. Historical averages are illustrative and not promises of future yields.

For diversified equity mutual funds in India over long horizons (10+ years), investors typically assume 10% to 14% p.a. For hybrid funds, 8% to 11% is common, and for conservative debt funds, 6% to 8% is typical. Always evaluate conservative estimates for goal planning.

Yes. Under "Advanced Options", you can toggle between Monthly, Weekly, Quarterly, and Yearly frequencies. The calculator converts the periodic compounding rate and total installments accordingly.

Yes. You can export a comprehensive PDF calculation report, download a raw CSV data table of the year-by-year schedule, or use the print-optimized format with zero ads or site headers.

Yes. Click the Share button to copy a quick summary to your clipboard, share via mobile Web Share, or copy a URL with parameters that instantly reproduces your exact calculation configuration.

The calculations use mathematically rigorous compound interest formulas with high precision. However, in real mutual funds, Net Asset Values (NAVs) fluctuate daily, so actual realized returns will differ from constant-rate assumptions.

This standard tool projects pre-tax growth. Capital gains from equity mutual funds are subject to Long Term Capital Gains (LTCG) tax (currently 12.5% on gains above ₹1.25 Lakh per financial year for equity funds held over 12 months in India) and Short Term Capital Gains (STCG) tax.

Mutual fund NAVs are published net of expense ratios and management fees. When using expected return figures, ensure your expected rate is an estimated net return after fund Total Expense Ratio (TER).

A lump sum investment puts all your capital to work at once, which performs best when markets are rising or bought at market lows. A SIP invests smaller amounts across time, providing rupee cost averaging and reducing the risk of bad market entry timing.

Yes, most Asset Management Companies (AMCs) offer an automated Top-Up / Step-Up facility when setting up your SIP mandate, or you can manually start an additional folio/SIP as your salary increases.

If the expected return is 0%, no compounding or growth occurs. The future value will equal your total invested capital (e.g. ₹5,000 × 120 months = ₹6,00,000) and estimated returns will be ₹0.