Total investment
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Investment vs growth
See how your SIP contributions compound into corpus over time.
Investment breakdown
Share of your total contributions versus net returns at maturity.
| Year | Investment | Interest | Expenses | Corpus |
|---|---|---|---|---|
| Run a calculation to see the yearly schedule. | ||||
Calculator suite
SIP, lumpsum, and SWP in one place.
Switch between a mutual fund SIP calculator, lumpsum return calculator, and SWP calculator without learning a new interface.
SIP Calculator Online — Plan Mutual Fund Investments in India
A SIP calculator helps you estimate how regular contributions can grow into a long-term corpus. Whether you call it a systematic investment plan SIP calculator, an India SIP calculator, or a mutual fund SIP calculator, the goal is the same: turn assumptions about amount, return, and tenure into clear numbers you can use for goals like retirement, education, or a house down payment. Our free SIP calculator online is built for Indian investors, with ₹ formatting, expense-aware math, and projections that stay readable even for long tenures such as a SIP calculator 40 years scenario.
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan lets you invest a fixed amount in mutual funds at a chosen frequency — monthly by default, or weekly, fortnightly, quarterly, or yearly. Instead of timing a single market entry, you average purchase cost over time. An accurate MF SIP calculator should show total invested capital, estimated returns, and maturity value so you can compare contribution levels before you start or increase a SIP.
Step up SIP calculator for rising income
Income often rises over a career. A flat SIP may under-utilise that growth. Use the built-in step up SIP calculator (also searched as SIP calculator with step up or SIP calculator step up) to increase contributions by a percentage each year. A step up SIP calculator India workflow is especially useful when you want your plan to track salary hikes while still seeing expense ratio drag and year-by-year corpus on the same screen.
Expense ratio and why fees matter
Expense ratio is the annual fee a fund charges. Even a 0.5%–1% difference compounds into a large rupee gap over 10–20 years. Many popular tools ignore fees; this page includes an expense ratio calculator style view that nets fees from expected return and shows Expense paid in rupees. That makes it easier to reason about mutual fund expense ratio when comparing regular vs direct plans with a mutual fund expense ratio calculator mindset — same inputs, clearer cost of ownership.
Lumpsum calculator alongside SIP
Not every investment is a monthly SIP. Bonuses, inheritance, or idle cash often go in as a one-time amount. Our lumpsum calculator (also called a lumpsum investment calculator or lumpsum return calculator) projects a single contribution with expense-aware compounding. Compare scenarios with the SIP lumpsum calculator, mutual fund lumpsum calculator, lumpsum mutual fund calculator, MF lumpsum calculator, or mutual fund calculator lumpsum searches you already use — then contrast results with SIP on the dedicated lumpsum calculator page. Keywords like lumpsum SIP calculator, SIP calculator lumpsum, and simply lumpsum all point to the same planning question: grow a one-time amount versus drip-feeding SIPs.
SWP calculator for withdrawals
After building a corpus, many investors need income. An SWP (Systematic Withdrawal Plan) redeems a fixed amount periodically while the balance stays invested. Use our SWP calculator — a practical SWP calculator India and SWP return calculator — to estimate remaining corpus, total withdrawals, and exhaustion risk. It works as a best SWP calculator style stress test for SWP mutual fund plans and pairs well with SIP for a full SIP SWP calculator journey: accumulate with SIP, then model withdrawals with SWP on the SWP calculator page.
How to use this free SIP calculator
- Enter your SIP amount in ₹ and choose investment frequency.
- Set expected annual return and mutual fund expense ratio.
- Choose tenure in years — including long horizons up to multi-decade plans.
- Optionally enable step-up SIP to raise contributions yearly.
- Review corpus, net returns, expense paid, growth chart, and yearly breakdown instantly.
All calculations run in your browser — no login, no account, and no personal data required. Open the dedicated SIP calculator page for formulas and FAQs, or stay here and start planning now. Estimates are for education and planning only and are not investment advice or guaranteed returns.
FAQ
Frequently asked questions
What is SIP calculator?
A SIP calculator estimates the future value of a Systematic Investment Plan in mutual funds. Enter your contribution amount, frequency, expected annual return, tenure, and optionally expense ratio or step-up to see total investment, estimated returns, expense paid, and maturity corpus in Indian rupees.
What is lumpsum investment?
A lumpsum investment is a one-time mutual fund purchase instead of recurring SIPs. You invest a single amount — for example a bonus or savings — and let it grow over a chosen tenure. Use our lumpsum calculator to project corpus, returns, and expense impact for that one-time amount.
How to use SIP calculator?
Enter your SIP amount in ₹, choose investment frequency, set expected annual return and expense ratio, then choose tenure in years. Optionally enable step-up SIP to raise contributions yearly. The calculator instantly shows corpus, net returns, expense paid, a growth chart, and a yearly breakdown — all in your browser with no login required.
What is step-up SIP calculator?
A step-up SIP calculator models SIPs that increase by a fixed percentage every year. This mirrors salary growth and can raise long-term corpus versus a flat SIP. Enable step-up on this SIP calculator, enter the yearly increase percentage, and compare results with and without step-up.
How to use a step up SIP calculator?
Turn on step-up SIP, enter your starting SIP amount and the annual step-up percentage (for example 10%), then set return, expense ratio, and tenure as usual. Review the yearly breakdown to see how rising contributions and compounding grow your corpus over time.
What is inflation rate in SIP calculator?
Inflation is the rise in prices over time that reduces the purchasing power of your future corpus. In SIP planning, many investors think in real terms by subtracting expected inflation from the assumed return (for example 12% return − 6% inflation ≈ 6% real return). Use that adjusted view to check whether your SIP still meets goals in today’s rupees.
What is SWP in mutual fund?
SWP (Systematic Withdrawal Plan) lets you redeem a fixed amount from a mutual fund at regular intervals while the remaining corpus stays invested. It is commonly used for retirement income or goal-based cash flow. Model withdrawals, remaining corpus, and exhaustion risk with our SWP calculator.
What is expense ratio in mutual fund?
Expense ratio is the annual fee a mutual fund charges to manage the scheme, expressed as a percentage of assets. Even a 0.5%–1% difference can compound into a large rupee gap over 10–20 years, so comparing regular vs direct plans with fee-aware projections matters.
How expense ratio affect returns calculator?
This calculator subtracts expense ratio from expected annual return (for example 12% − 0.5% = 11.5% net) and compounds at the adjusted rate. It also shows Expense paid in rupees — the gap between corpus at gross return and corpus at net return — so you can see fee drag clearly.
What is the difference between SIP and Lumpsum investment?
SIP invests a fixed amount at regular intervals and averages purchase cost over time. Lumpsum invests the full amount at once, so more capital compounds sooner if markets rise after you invest. SIP suits steady cash flow; lumpsum suits idle cash you can invest immediately. Compare both scenarios with our SIP and lumpsum calculators.
How much should I invest in SIP every month?
There is no single ideal SIP amount. Start from your goal corpus, time horizon, and expected return, then work backwards to a monthly contribution you can sustain. Use this SIP calculator to try different amounts and tenures until the projected corpus matches your goal without stretching your budget.
What is the ideal annual return for SIP calculations?
There is no guaranteed ideal return. Many long-term equity mutual fund planners in India use illustrative rates around 10%–12% per year, while debt-oriented plans often assume lower figures. Choose a conservative expected return for your asset mix, then net off expense ratio so projections stay realistic.
Can I withdraw my SIP investment anytime?
Most open-ended mutual fund SIPs let you redeem units anytime on business days at the applicable NAV, subject to exit load and tax rules. Some schemes or tax-saving funds (such as ELSS) have a lock-in. Always check the scheme’s exit load, lock-in, and tax implications before withdrawing.
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