Is inflation accounted for?

Most calculators show nominal (today's-rupee) values. Use the real-return or inflation calculator to see what a corpus will actually buy in future. A crore in 2040 is worth far less than a crore today.

Should I use 12% as my expected return?

12% is an optimistic long-term equity assumption. For planning, 9–10% is more conservative; run both and plan for the lower number. Past performance does not guarantee future returns.

Is the return shown guaranteed?

No — for market-linked products like mutual funds, the return is an assumption you enter. Only fixed-income products (FD, PPF, post office) have a declared rate, and even those can change on renewal.

How much should I save for retirement?

A common target is 25–30 times your annual expenses at retirement, assuming a 4% withdrawal rate. The retirement calculator works backwards from your desired monthly income to the monthly SIP required.

What is the difference between SIP and lumpsum?

A SIP invests a fixed amount every month, averaging your purchase price. A lumpsum invests everything at once and captures more growth if the market rises, but suffers more if it falls immediately.

What happens if I enter a monthly sip amount higher than the default?

A higher monthly sip amount increases the final figure in the same direction. The relationship is compounded over time for long tenures, and linear for one-off calculations — you can see the exact effect by changing the input and watching the breakdown. There is no upper limit in the calculator; it will compute any figure you enter.

What rate assumption does the SIP use by default?

The default rate is shown in the input label and in the assumption note. For market-linked products it is an assumption you should change; for fixed-income schemes it is the latest notified rate, which may change on the next review date.

Does the SIP include tax and cess?

Tax and cess are included where relevant to this calculator. The assumption line at the bottom states exactly which taxes and rates are applied. Surcharge above ₹50 lakh income is generally not modelled — if that applies to you, add it separately or consult a professional.

Can I print or save the SIP result as a PDF?

Yes — every calculator page has a 'Save / Print as PDF' button. It prints a clean copy of the inputs and results without the header, footer and ads, suitable for saving or sharing.

Does the SIP account for inflation or fees?

Inflation and fees are not deducted unless this calculator explicitly includes them. The result is in nominal rupees (today's value). To see the effect of inflation, run the inflation calculator alongside it. For investment products, subtract the expense ratio from your assumed return.

Does the SIP include tax and cess?

Tax and cess are included where relevant to this calculator. The assumption line at the bottom states exactly which taxes and rates are applied. Surcharge above ₹50 lakh income is generally not modelled — if that applies to you, add it separately or consult a professional. On this SIP page, try adjusting the monthly sip amount input — it is the quickest way to see how the final figure moves for your own numbers.

What rate assumption does the SIP use by default?

The default rate is shown in the input label and in the assumption note. For market-linked products it is an assumption you should change; for fixed-income schemes it is the latest notified rate, which may change on the next review date. On this SIP page, try adjusting the expected annual return input — it is the quickest way to see how the final figure moves for your own numbers.

Does the SIP store my data anywhere?

No. Everything runs in your browser. Nothing you type is sent to a server, stored in a database, or used for advertising. You can disconnect from the internet after the page loads and it still works. On this SIP page, try adjusting the time horizon input — it is the quickest way to see how the final figure moves for your own numbers.

What monthly sip amount should I enter in the SIP?

Enter your actual monthly sip amount — the default is only a starting example. For most people, monthly sip amount of the default shown on the page is realistic; if yours differs, the result will too. The expected annual return input is usually the second-most important lever. On this SIP page, try adjusting the monthly sip amount input — it is the quickest way to see how the final figure moves for your own numbers.

Should I use the SIP before or after talking to an adviser?

Use it before — that is the point. Run the numbers, understand the range, and go into the conversation knowing what to expect. Bring the printed breakdown with you; it makes it much harder for anyone to quote you an unfair number. On this SIP page, try adjusting the expected annual return input — it is the quickest way to see how the final figure moves for your own numbers.

Investment & Wealth

SIP Calculator

Calculate mutual fund SIP returns, invested amount and maturity corpus for any monthly contribution.

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Results

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How this SIP Calculator works

A SIP (Systematic Investment Plan) invests a fixed amount every month into a mutual fund. The future value uses the standard annuity formula, compounded monthly:

FV = P × [((1 + i)ⁿ − 1) / i] × (1 + i), where P = monthly investment, i = annual return ÷ 12, n = number of months.

The extra (1 + i) assumes each installment is invested at the start of the month. Because returns are assumed constant, treat the output as a planning estimate — equity funds can deliver negative returns in some years. Inflation reduces the real value; at 6% inflation, a ₹1 crore corpus in 15 years is worth about ₹42 lakh in today's money.

Worked example: ₹10,000/month at 12% for 15 years → invested ₹18 lakh, corpus ≈ ₹50.5 lakh. The same ₹10,000 at 12% for 25 years → ≈ ₹1.89 crore — the last decade contributes more than the first 15.

Frequently asked questions

Is SIP return guaranteed?

No. SIPs invest in mutual funds, which are subject to market risk. The calculator uses a constant assumed return; actual returns will be higher or lower. Debt funds are less volatile than equity funds.

How much should I invest via SIP?

A common rule is to invest at least 20–30% of your take-home income, after building a 6-month emergency fund and buying term + health insurance. Use the SWP calculator to work backwards from your retirement goal.

Is there a tax on SIP returns?

Equity funds held >1 year pay 12.5% LTCG on gains above ₹1 lakh/year (plus surcharge/cess). Debt funds are taxed at your slab rate. This calculator shows pre-tax values.

What is a SIP Calculator?

A SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your regular monthly mutual fund investments. Instead of investing a lump sum all at once, a SIP allows you to invest a fixed amount every month — typically ₹500 or more — into a mutual fund scheme of your choice. This approach brings two powerful forces to your portfolio: rupee-cost averaging and compounding. When markets fall, your fixed contribution buys more units; when they rise, your existing units appreciate. Over 10+ years, the compounding effect becomes dramatic, with the last few years often contributing more to your final corpus than the first decade combined.

Indian investors have embraced SIPs as the default way to build long-term wealth, with monthly SIP inflows crossing ₹15,000 crore in recent months. This calculator models your expected corpus based on your monthly investment amount, expected annual return, and investment tenure. It is particularly useful for planning goals like retirement, a child's education, a down payment on a home, or wealth creation over the long term.

How to Use This SIP Calculator

Enter your values. Adjust the sliders or type directly into the number fields. All fields use Indian Rupees (₹) and percentages where applicable. The SIP Calculator updates instantly as you change any value — no separate calculate button needed.
Focus on the highlighted result. The result card shown in the accent colour is the primary output of this calculation. Read the supporting tiles for context.
Start with your current monthly budget and gradually increase over time.
Test how a ₹1,000 increase in monthly SIP changes your final corpus.
Try different return assumptions — conservative (8%), moderate (11%), aggressive (14%).
Save or print. Use the "Save / Print as PDF" button to keep a record of your calculation for your personal files or to share with your financial adviser.

Formula & Calculation Logic

SIP Future Value: FV = P × [((1 + i)ⁿ − 1) / i] × (1 + i), where P = monthly investment, i = annual return ÷ 12, n = number of months. The extra (1+i) factor assumes each SIP installment is invested at the start of the month.

All calculations on FinCal Hub run entirely in your browser using JavaScript. Your inputs are never sent to a server, and nothing you type is stored anywhere. This approach ensures your financial privacy while giving you instant results. The calculations follow Indian numbering conventions (lakhs and crores) and regulatory rules applicable for FY 2026-27 where relevant.

Where a calculator involves simplifying assumptions — such as constant returns on market-linked investments or a fixed interest rate for the full tenure of a floating-rate loan — these are clearly stated in the assumptions section below the results. Financial planning always involves uncertainty, and our calculators are designed to give you a reliable starting estimate rather than a guaranteed prediction.

Real-Life INR Examples

Example 1 — Young professional starting early: A 25-year-old investing ₹10,000 per month at an assumed 11% annual return for 35 years would accumulate approximately ₹4.5 crore by age 60. The total amount invested is ₹42 lakh; the rest is compound growth. If the same person waits until age 35 to start, they would need to invest over ₹30,000 per month to reach the same corpus — demonstrating the enormous cost of delaying by just one decade.

Example 2 — Conservative fixed-income investor: Investing ₹1.5 lakh per year in PPF at 7.1% for 15 years produces a maturity corpus of approximately ₹40 lakh. The total invested amount is ₹22.5 lakh, and the tax-free interest component is roughly ₹17.5 lakh. This demonstrates the power of consistent, tax-free compounding even at moderate rates of return.

Example 3 — Goal-based investing: To accumulate ₹1 crore in 15 years for a child's education, you would need a monthly SIP of approximately ₹22,000 assuming a 12% annual return. If you have only 10 years, the required monthly contribution jumps to roughly ₹44,000. The shorter your time horizon, the heavier the monthly burden — another reason to start early.

Common Mistakes to Avoid

Confusing average returns with guaranteed returns. Mutual fund SIPs are market-linked and will have negative years — this is normal, not a failure of the strategy.
Stopping SIPs during market downturns. This is precisely when you are accumulating cheap units that will power the next bull market. Discipline through volatility is the biggest predictor of SIP success.
Ignoring inflation. A ₹1 crore corpus sounds impressive today, but at 6% inflation it will be worth only about ₹42 lakh in today's money after 15 years. Always think in real, inflation-adjusted terms.
Over-diversification across too many funds. Holding 15–20 mutual funds does not reduce risk meaningfully; it just makes your portfolio difficult to track and likely replicates the market index at higher cost.
Chasing last year's top-performing funds. A fund that topped the charts last year is statistically unlikely to repeat the feat next year. Focus on consistent long-term performance and fund manager quality instead.

When to Use (and When Not To)

Use the SIP Calculator when:

You are planning a new investment and want to set realistic expectations using the SIP Calculator
You want to compare how different contribution amounts, tenures, or return assumptions change the outcome
You are working toward a specific financial goal and need to work backwards from the target
You want to show a family member the power of compounding or inflation with concrete rupee figures

Do not rely solely on this SIP Calculator when:

The decision involves complex legal or regulatory factors requiring professional expertise
Large sums of money or irreversible commitments are at stake
Your personal situation has unusual features that a general calculator cannot capture
You need personalised advice considering your complete financial picture

In these cases, use the SIP Calculator as a starting point, then consult a qualified CA, SEBI-registered investment adviser, or financial planner before deciding.

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