Calculate mutual fund SIP returns, lump sum investments, and step-up SIP with XIRR & CAGR. Plan your wealth with India's most advanced SIP calculator.
Our advanced SIP calculator helps Indian investors plan mutual fund investments with accurate SIP, lump sum, and step-up SIP calculations. Calculate returns with XIRR and CAGR, compare scenarios, and set financial goals. Whether you're saving for retirement, child education, or wealth creation, use our 2026 calculator with Indian rupee formatting and realistic return expectations.
Join 100M+ SIP investors in India. Start with just ₹500/month and build wealth systematically through the power of compounding and rupee cost averaging.
Estimate the future value of a mutual-fund SIP (systematic investment plan) in seconds. Enter your monthly investment, expected annual return and duration to see the maturity amount, total invested and wealth gained, with a year-wise breakdown and chart. Switch to lump-sum or step-up SIP to model annual increases in your contribution.
The calculator uses the standard SIP formula — FV = P × ((1+i)ⁿ − 1)/i × (1+i), with i the monthly rate — so results match what AMCs and brokers show, and it lets you set a goal amount to work backwards to the monthly SIP you need.
It applies the future-value-of-annuity formula to each monthly instalment at the expected monthly return, then sums them. It assumes a constant return, so real results will vary with market performance.
Long-run Indian equity funds have delivered roughly 10–14% a year; 12% is a common planning figure. Use 6–8% for debt funds and 8–10% for balanced funds, and run a conservative scenario too.
A SIP where the monthly amount rises by a fixed percentage every year, in line with salary growth. A 10% annual step-up can roughly double the final corpus over 20 years compared with a flat SIP.
SIP averages your purchase price (rupee-cost averaging) and suits regular income; a lump sum wins when markets rise steadily after investing. The calculator lets you compare both for the same total investment.
In India equity-fund gains held over a year are taxed as long-term capital gains above the annual exemption; debt funds are taxed at slab rate. The calculator shows pre-tax figures.