SIP Calculator
Projects the future value of recurring mutual-fund investments using compounded monthly returns based on historical or assumed growth rates. Figures never leave your device — every calculation runs locally in your browser.
How to Use the SIP Calculator
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Frequently Asked Questions
How is SIP future value calculated?
FV = P × [((1+r)^n − 1) / r] × (1+r), with monthly rate r and n months. Example: ₹10,000/month at 12% annual (≈1%/month) for 10 years (120 months) → ≈₹23.2 lakh on ₹12 lakh invested.
What return rate should I assume?
Indian equity funds averaged ~12% over long periods, but use 10–12% for planning and 8% for conservative estimates. The calculator shows invested vs gains separately so you can sanity-check the growth assumption.
What is a step-up SIP?
Increasing your SIP yearly (e.g., +10% as salary grows). A ₹10,000 SIP stepped up 10% yearly for 10 years at 12% beats a flat SIP by roughly 40% — model it by raising the monthly amount manually per period.
Does it account for expense ratio and tax?
No — projected returns are pre-expense and pre-tax. A 1% expense ratio drags ~1% off annual returns; equity gains above ₹1.25 lakh/year face 12.5% LTCG. Treat the output as gross, then haircut it.
Is my investment data stored?
No. All projections run locally in your browser. No amounts, rates, or tenures are transmitted or stored.
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Last updated October 2026