SIP Calculator — Calculate Mutual Fund SIP Returns Free
Calculate mutual fund SIP returns with step-up SIP, goal planner, inflation adjustment, and SIP vs lumpsum comparison. Free for India.
Also searched as: mutual fund sip calculator · systematic investment plan calculator · sip return calculator · step-up sip calculator · sip goal calculator
How to Use
Step-by-step guide to get the most from this tool
- 1
Choose calculator mode
Select SIP Calculator, Goal Planner, or SIP vs Lumpsum comparison tab.
- 2
Set investment parameters
Enter monthly amount or target corpus, expected return, and investment period in years.
- 3
Enable advanced options
Turn on step-up SIP or inflation adjustment for more realistic projections.
- 4
Review and export
See maturity value, growth chart, and download year-wise CSV for your records.
Features
What makes this tool stand out
Goal planner
Reverse-calculate monthly SIP needed for your target corpus.
Step-up SIP
Model annual increases in monthly investment.
SIP vs Lumpsum
Compare systematic investing against one-time investment.
Inflation adjustment
See real purchasing power of your returns.
CSV export
Download year-wise investment and value breakdown.
India-focused
Preset return rates for debt, hybrid, and equity funds.
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Frequently Asked Questions
Quick answers to common questions
What is SIP?+
SIP (Systematic Investment Plan) is investing a fixed amount in mutual funds at regular intervals, usually monthly. It uses rupee cost averaging and compounding to build wealth over time.
How is SIP return calculated?+
Each monthly investment compounds at the expected annual return divided by 12. The maturity value is the sum of all compounded monthly contributions over the investment period.
What is step-up SIP?+
Step-up SIP increases your monthly investment by a fixed percentage each year. For example, 10% annual step-up on ₹10,000/month significantly boosts your final corpus.
How does the goal planner work?+
Enter your target corpus and investment period. The calculator reverse-computes the monthly SIP amount needed to reach your goal at the expected return rate.
What is inflation-adjusted return?+
Real return adjusts your maturity value for inflation, showing purchasing power in today's rupees. India's typical inflation is 5-7% annually.
Is SIP better than lumpsum?+
SIP reduces timing risk through rupee cost averaging. Lumpsum can outperform in rising markets but SIP is preferred for disciplined, regular investing.
What return rate should I use?+
Use 7% for debt funds, 10% for hybrid, 12% for large-cap equity, and 15% for aggressive small-cap funds. These are historical estimates, not guarantees.
Can I export my SIP projection?+
Yes. Click Export year-wise CSV to download invested amount and portfolio value for each year of your plan.