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How it works

SIP Calculator in 3 Steps

1

Enter your numbers

Adjust the sliders or inputs on the left. Results update in real-time.

2

See the result

Maturity value, gain, and key metrics show in the dark panel on the right.

3

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Frequently Asked

FAQ — SIP Calculator

How does a SIP calculator work?
It applies the future-value annuity formula: FV = P × [((1 + r)^n − 1) / r] × (1 + r), where P is the monthly amount, r is the monthly return rate, and n is the number of months.
What return rate should I assume for SIP planning?
For equity mutual funds, 11–13% pre-tax CAGR is a reasonable long-term assumption. Balanced funds 9–10%; debt 6–7%. Always factor in tax for post-tax planning.
Is SIP better than lumpsum?
Over 10+ year horizons, lumpsum typically beats SIP because more money compounds longer. SIP wins on discipline and timing risk for salaried investors who can't deploy a lumpsum.
Can I withdraw SIP money anytime?
Yes — except ELSS (3-year lock-in). For others, redemption is T+3 days. STCG (<1 yr equity) is 15%; LTCG above ₹1L is 10%.
What is the minimum SIP amount in India?
Most fund houses accept SIPs from ₹500/month, some allow ₹100/month. There is no upper cap. You can start, pause, or step up any time.
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