What is a SIP calculator?

A SIP calculator estimates the future value of fixed monthly investments in mutual funds using an assumed annual return rate and tenure.

Does this include expense ratios or exit loads?

No. It uses your expected return rate only. Actual fund returns vary after expenses, taxes, and market moves.

What return rate should I assume?

Equity SIPs often use 10–12% long-term assumptions; hybrid or debt SIPs use lower rates. Past returns do not guarantee future results.

Step-up increases your monthly SIP by a set percentage each year, which can grow corpus faster as income rises.

What is What-If mode?

What-If lets you test increasing the SIP amount (for example by ₹1,000) and instantly compare the higher maturity value.

SIP Calculator

Plan your mutual fund SIP investments. Use What-If mode to see how increasing your SIP by ₹1,000 changes your returns.

SIP Details

Monthly Investment₹5,000

₹500₹1,00,000

Expected Return Rate15% p.a.

1% p.a.20% p.a.

Investment Period10 years

1 years40 years

Annual Step Up0%

0%20%

Percentage by which you plan to increase your monthly SIP every year.

What-If Mode

Total Wealth

₹13,93,286

Expected Returns₹7,93,286

Principal Investment₹6,00,000

57%of wealth from returns

57% of your corpus comes from market returns

Year-wise Growth

Y10

Invested Total Value

Next Steps

Turn these numbers into action.

Check Financial Health Score

See how your SIP fits your overall finances.

Plan a Specific Goal

Tie this SIP to a house, education, or retirement goal.

Compare with FD/RD

See how SIP returns compare to fixed deposits.

About SIP Calculator

A SIP calculator estimates how regular mutual-fund investments can grow with assumed returns over time — including what-if changes to amount or duration.

How it works

Enter monthly SIP, expected annual return and tenure. The tool projects maturity value and total invested. What-If mode shows the impact of raising SIP or years.

Practical tips

Use conservative return assumptions (for example equity long-term vs debt). Align tenure with your goal date.

Important to know

Past returns do not guarantee future results. Actual NAV growth and expenses will differ.

Frequently Asked Questions

What is a SIP calculator?: A SIP calculator estimates the future value of fixed monthly investments in mutual funds using an assumed annual return rate and tenure.
Does this include expense ratios or exit loads?: No. It uses your expected return rate only. Actual fund returns vary after expenses, taxes, and market moves.
What return rate should I assume?: Equity SIPs often use 10–12% long-term assumptions; hybrid or debt SIPs use lower rates. Past returns do not guarantee future results.
What is step-up SIP?: Step-up increases your monthly SIP by a set percentage each year, which can grow corpus faster as income rises.
What is What-If mode?: What-If lets you test increasing the SIP amount (for example by ₹1,000) and instantly compare the higher maturity value.