How does a SIP calculator work?

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.

What is the difference between SIP and lumpsum calculator?

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.

What is a realistic return rate for Indian mutual funds?

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.

How much do I need to invest monthly to reach ₹1 crore?

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.

Is SIP better than fixed deposit (FD)?

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.

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Configure SIP

Monthly Investment

₹

₹500₹1 L

Expected Return (p.a.)

1%30%

Time Period

1 yr40 yr

vs Fixed Deposit @ 7%

+₹0 vs FD

Estimated Maturity Value

₹0

Total ₹0

Invested

₹0

Est. Returns

₹0

Wealth ratio 0x

🎯 Wealth Milestones

Adjust sliders to see milestones

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Year	Invested	Returns	Value

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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.