SIP Calculator
29 free tools — SIP, Tax, FD, Loan, Retirement & more. No login required.
Quick Summary
- See your SIP's maturity value, total returns and wealth ratio instantly, compared against FD returns. Free calculator, no login required.
- For example, ₹5,000/month for 10 years at 12% works out to ≈ ₹11.6 lakh (invested ₹6.0 lakh).
- Built for salaried professionals and first-time investors starting a monthly mutual fund investment
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How the SIP Calculator Works
Every month, you invest a fixed amount into a mutual fund. Each instalment buys units at that month's NAV, so you automatically buy more units when prices are low and fewer when prices are high (rupee-cost averaging). Over time, your invested amount and its returns compound together, which is why SIP corpus growth accelerates sharply in the later years.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹5,000/month for 10 years at 12% | ≈ ₹11.6 lakh (invested ₹6.0 lakh) |
| ₹10,000/month for 15 years at 12% | ≈ ₹50.5 lakh (invested ₹18.0 lakh) |
| ₹15,000/month for 20 years at 12% | ≈ ₹1.50 crore (invested ₹36.0 lakh) |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
A SIP calculator estimates the future value of your monthly investments based on an assumed annual return rate and investment duration. It uses the compound interest formula: FV = P × [(1+r)^n - 1] / r × (1+r), where P is the monthly SIP amount, r is the monthly interest rate, and n is the number of months.
A SIP calculator computes returns on regular monthly investments, while a lumpsum calculator computes returns on a single one-time investment. Both use compound interest but apply it differently — SIP averages entry points over time, while lumpsum calculates growth on the entire amount from day one.
Historically, large-cap equity mutual funds in India have delivered 10-12% CAGR over long periods (10+ years). Mid-cap and small-cap funds have delivered 13-16% but with higher volatility. Debt funds typically return 6-8%. For SIP calculations, using 10-12% for equity and 7% for debt is a realistic conservative estimate.
To accumulate ₹1 crore through SIP, the required monthly amount depends on time and returns. At 12% annual return: ₹1,000/month for 30 years = ~₹35 lakh; ₹5,000/month for 20 years = ~₹50 lakh; ₹10,000/month for 15 years = ~₹50 lakh; ₹22,000/month for 10 years ≈ ₹1 crore. Use TopFund's SIP calculator to compute your exact numbers.
Over long periods (5+ years), equity mutual fund SIPs have historically outperformed FDs significantly. FDs offer guaranteed returns (6-7%) with no risk, while SIPs in equity funds target 10-15% but carry market risk. For long-term goals like retirement or children's education, SIP in equity mutual funds is generally preferred over FD.
Common Mistakes to Avoid
- Assuming a flat 15%+ return year after year — Indian equity funds have historically averaged 10-12% over the long term, not 15-18%.
- Stopping SIPs during a market downturn — that's precisely when you buy more units at lower NAVs, which drives long-term returns.
- Ignoring the impact of expense ratio and exit load differences between regular and direct plans over a 15-20 year horizon.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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