Is the final amount shown guaranteed?

No. Mutual funds are subject to market risks. The expected return rate you enter (e.g., 12% or 15%) is an estimation based on historical equity market performance. The actual maturity amount may be higher or lower depending on future market conditions.

What is a realistic expected return rate?

Historically, large-cap Indian equity mutual funds have delivered around 10-12% annualized returns, while mid-cap and small-cap funds have occasionally delivered 14-18% over the long term (10+ years). Debt funds generally yield 6-8%. Always consult a financial advisor.

Can I stop or pause my SIP anytime?

Yes, one of the biggest advantages of a standard SIP is flexibility. You can pause, stop, or increase your SIP amount at any time without any penalties from the AMC (Asset Management Company).

Does this calculator account for inflation or taxes?

No. The maturity amount shown is the absolute nominal value. You will need to account for Long Term Capital Gains (LTCG) tax upon redemption, and consider that inflation will reduce the purchasing power of the final corpus.

Yes. All calculations happen entirely in your web browser. We do not store your investment amounts, financial goals, or personal data on any server.

📊 Free Wealth Planner — Browser Only

SIP Calculator — Calculate Mutual Fund Returns & Wealth Growth Instantly

Plan your SIP investments with precision — calculate maturity value, total gain, and year-by-year growth. Compare monthly SIP vs lumpsum. Perfect for financial planning, retirement goals, and mutual fund research. No login, no data stored.

📖 Read Detailed Guide & FAQ

Monthly Investment Amount

₹

₹5,000

Expected Annual Return (%)

12%

Investment Period (Years)

10 yrs

Annual Step-Up (%) — increase SIP each year

⚡ All calculations happen in your browser. Zero data stored.

How to Use the SIP Calculator

Select Investment Type — Choose "SIP" for monthly contributions, "Lumpsum" for one-time investments, or "Target" to find the required SIP for a specific goal.

Adjust the Sliders — Enter your monthly amount, expected rate of return (Equity funds average 12-15% in India), and investment duration.

Analyze Growth — Visualize your wealth multiplier with our year-by-year growth chart and detailed maturity breakdown table.

The Power of Systematic Planning

A Systematic Investment Plan (SIP) is more than just a savings tool; it's a wealth-building strategy that leverages compounding and rupee-cost averaging to mitigate market volatility.

📉 Rupee Cost Averaging

Buy more units when prices are low and fewer when high, effectively averaging out your purchase cost without needing to "time the market."

⏳ Power of Compounding

Your returns earn their own returns. Over 10-20 years, the wealth gain often far exceeds the total capital invested.

SIP vs. Lumpsum: Which is Better?

While a Lumpsum investment puts your full capital to work from Day 1, an SIP is ideal for regular earners. SIPs offer disciplined saving and protect against sudden market crashes by spreading entry points across different market cycles.

Feature	SIP (Monthly)	Lumpsum
Risk	Low (Averaged)	High (Timing)
Ideal for	Salaried Professional	Windfall/Bonus
Discipline	Automated	Manual

Frequently Asked Questions

What is a good SIP return rate?

Historically, Indian equity mutual funds have delivered 12–15% CAGR over long periods (10+ years). Debt funds typically offer 6–8%.

Can I stop a SIP anytime?

Yes. Most mutual funds allow you to pause, stop, or redeem your SIP units at any time without penalties, providing excellent liquidity.

Is my data private?

Absolutely. All calculations are performed locally in your browser. We never store or transmit your investment amounts or financial goals.

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Verified Financial Audit

Calculations based on standard CAGR and future value annuity models. Precision: 0.0001%. Last Audit: May 2026.