SIP Calculator
See what a monthly SIP could grow to, using growth rates taken from what real funds of each type returned. Add a goal to see what it would take. An illustration, not a promise. Free, no signup.
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FinResp analyses. You decide. This is information only, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not guarantee future ones. Figures come from the AMFI daily NAV history (Direct plan, Growth option, open-ended funds) and ignore taxes, exit loads and any gap between a fund's return and what you earn. A monthly SIP is worked out with each instalment invested at the start of the month and the yearly return converted to a monthly one.
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How it works, questions and more tools
How it works
- Enter your monthly amount and how long. Use years and months. The example figures are only a starting point; change all of them.
- Pick a fund type and a growth case. Weaker, middle and stronger are what real funds of that type returned in our history. Or choose My own and enter your own rate.
- Add a step-up or a goal if you like. A step-up raises the SIP every year. A goal, in today's money, shows what it will cost later and what SIP it would take.
- Read the result and the notes. You see what you would put in, the growth, the three cases side by side, and what actually happened in real funds.
Questions people ask
What is a SIP?
A systematic investment plan (SIP) is a way of investing a fixed amount at regular intervals, usually every month, into a mutual fund. Each instalment buys units at that day's price, so you buy fewer units when prices are high and more when they are low.
How does this SIP calculator work?
It adds your instalment at the start of each month and grows the balance by one twelfth of the yearly return every month. The result assumes a steady return, with no fund costs, exit loads or taxes. Real returns move up and down, so treat the answer as an illustration.
Where do the growth rates come from?
From real history. For each fund type we took every Direct-plan Growth fund in the AMFI records that is still running, started a monthly SIP in every month since 2013, and worked out the yearly return of each. Weaker is the 10th percentile, middle the 50th and stronger the 90th. Funds that were closed or merged are missing, and the period was mostly a rising market, so the figures flatter results. You can always enter your own rate.
Are SIP returns guaranteed?
No. Mutual fund investments are subject to market risks. The value of your units can fall as well as rise, and you can get back less than you put in. Past performance is not an indication of future returns.
What is a step-up SIP?
A step-up (or top-up) SIP increases the monthly amount by a set percentage each year. If you start at ₹10,000 with a 10% step-up, the second year's instalment is ₹11,000, the third ₹12,100, and so on. The calculator shows how much more you would put in and what it could become.
SIP or lump sum: which is better?
Neither is better for everyone. A SIP suits people who invest from monthly income and spreads the purchase over many prices. A lump sum puts all your money to work at once and can do better or worse depending on the starting point. You can compare the two with our lump sum calculator.
Does the calculator include taxes and fund charges?
No. Mutual funds have running costs (the expense ratio), may charge an exit load on early withdrawal, and gains are taxed when you sell. The rules depend on the type of fund and how long you hold it, and they change, so check the current rules or ask a tax adviser.
What is the smallest SIP I can start?
It depends on the fund house and scheme. Many accept monthly SIPs from a few hundred rupees, but you should check the scheme's documents. This site does not sell mutual funds, and none of this is investment advice.
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