SIP Calculator.

A SIP calculator estimates the future value of regular investments in mutual funds. You enter contribution amount, frequency, expected return, tenure in years, and optionally expense ratio or step-up to see total investment, returns, expense paid, and final corpus.

Enter your SIP amount in ₹, choose frequency, set expected annual return and expense ratio, then pick tenure in years. Optionally enable step-up SIP. Review corpus, net returns, expense paid, the growth chart, and the yearly breakdown instantly — no login required.

A step-up SIP calculator models SIPs that increase by a fixed percentage every year so contributions can keep pace with income growth. Enable step-up on this page, enter the yearly increase percentage, and compare flat vs rising SIP outcomes with the same expense-aware math.

Turn on step-up SIP, enter your starting contribution and annual step-up percentage, then set return, expense ratio, and tenure. Use the yearly breakdown and chart to see how rising contributions and compounding grow your corpus.

Inflation reduces the purchasing power of your future corpus. For planning, many investors estimate real return as expected return minus inflation (for example 12% − 6% ≈ 6% real). Use that lens to check whether your projected SIP corpus still meets goals in today’s rupees.

Expense ratio is the annual fee a mutual fund charges, shown as a percentage of assets. Fees compound over long SIP tenures, so modelling expense ratio helps you compare regular vs direct plans more honestly.

This calculator subtracts expense ratio from expected annual return (for example 12% − 0.5% = 11.5% net) and compounds at that adjusted rate. Expense paid shows the rupee gap between gross-return and net-return corpus.

SIP invests regularly and averages cost over time; lumpsum invests everything at once so more capital can compound sooner. Use this SIP calculator alongside the lumpsum calculator to compare both approaches for the same goal.

Choose an amount you can sustain that still reaches your goal corpus for your horizon and assumed return. Try different monthly amounts and tenures here until the projected maturity value matches your target without overstretching cash flow.

There is no guaranteed ideal rate. Long-term equity SIP illustrations in India often use around 10%–12% per year; debt-oriented plans usually assume less. Pick a conservative rate for your asset mix and subtract expense ratio for realistic projections.

Most open-ended mutual fund SIPs allow redemption on business days at the applicable NAV, subject to exit load and tax. Some funds (such as ELSS) have a lock-in. Check scheme rules before withdrawing.

No. Markets fluctuate and actual fund returns differ from assumptions. Treat outputs as planning estimates, not guarantees or investment advice.