Finance tool
SIP calculator
Enter monthly SIP, expected CAGR, and period — see final corpus, total invested, and returns. SIP, lump sum, or step-up modes.
Start with the free manual tool. If you want the real document view after that, analyze a statement PDF.
Free tool
SIP, lump sum, or step-up SIP
Choose mode (SIP, lump sum, or step-up SIP). Enter your monthly amount (or lump sum), expected CAGR, and period. The calculator shows final corpus, total invested, estimated returns, wealth multiplier, and monthly average gain.
Regular SIP — fixed monthly investment
Typical equity mutual fund returns in India: 10-14% CAGR long-term. Conservative 10%, moderate 12%, aggressive 14%.
₹10,000/month.
Expected CAGR. Indian equity funds 12-14% historical.
Longer = more compounding.
₹10,000/month SIP over 15 years at 12% CAGR.
Money you put in.
180% over 15 years.
Final corpus vs money invested.
Gain per month across the period.
₹1 cr in 25 years: roughly ₹8,500/month at 12% CAGR.
₹5 cr by 60: roughly ₹20,000/month starting at 30 at 12%.
Tax note: LTCG on equity funds over ₹1 lakh/year is 10% (or 12.5% from July 2024).
Natural next step
Are your SIPs actually running?
SIPs are only as effective as they are consistent. Upload your bank statement to see your actual monthly SIP deductions across all platforms (Groww, Zerodha, Kuvera, Paytm Money) — verify your SIPs are running and the totals match what you think.
What it gives you
Fast enough for a first pass
Each tool is intentionally narrow. The job here is a clean estimate, not a fake replacement for a full statement analysis.
SIP / lump sum / step-up
Three modes — regular SIP, lump sum, and step-up SIP — toggle in one click.
India-friendly formatting
₹ formatted throughout with lakh / crore display for large values. Indian-friendly number system.
Wealth multiplier metric
Shows wealth multiplier and monthly-average-gain so you understand what the compounding actually means.
When it's useful
Standard SIP / lump sum / step-up SIP calculator with ₹ formatting and lakh / crore display.
New mutual fund investors
See how much monthly SIP builds ₹1 crore, ₹5 crore, or any target. Makes compounding concrete before you commit.
Step-up SIP planners
Model salary-growth-matched SIP increase. A 10% annual step-up starting at ₹10k/mo builds dramatically more than flat ₹10k/mo.
Retirement planners
Target a ₹5-10 crore corpus by 60. Reverse-engineer the monthly SIP needed given your current age and expected return.
Child education / wedding planners
Plug in the target amount, choose the years to goal, and see the required monthly SIP. Classic 15-20 year horizons suit equity mutual funds well.
Deeper context
Why step-up SIP beats flat SIP long-term
Salary growth compounding matters as much as market compounding.
Flat ₹10k for 25 years vs step-up 10%/yr
At 12% CAGR, flat ₹10k/mo over 25 years builds ~₹1.9 cr. Step-up to 10%/yr building to ₹90k/mo by year 25 builds ~₹4.7 cr. The step-up version requires more total contribution (~₹1.2 cr vs ₹30 lakh flat) but produces 2.5× the corpus.
Match step-up to realistic salary growth
Indian middle-class salary growth averages 8-10% annually in stable industries, higher in IT / startups. Setting step-up at a rate that matches real income growth is sustainable. Setting it higher than salary growth means cutting from other spending — less reliable.
Automate to prevent drift
Groww, Zerodha Coin, Kuvera, and others all support automated step-up SIP. Automate it rather than planning to manually raise — manual increases frequently get postponed.
Deeper context
Common SIP mistakes
Three patterns that undercut long-term SIP success.
Stopping SIP during market downturns
SIP works best when markets are volatile — buying more units when NAV is low. Pausing during downturns defeats the rupee-cost-averaging purpose. Historical data shows investors who stopped SIPs in 2008, 2020, or 2022 corrections underperformed those who kept going.
Spreading across too many funds
A 20-fund SIP portfolio mimics the index but with higher expense ratios. 3-5 well-chosen funds (large-cap, flexi-cap, small-cap, maybe international) cover most of what 20 funds would. Check for overlap before adding more.
Confusing mutual fund returns with FD returns
Mutual fund returns are estimates based on history — the fund could underperform for stretches. FD returns are guaranteed. Don't model critical near-term goals (down payment in 2 years) at 12% MF returns; use 6-7% FD rates instead.
FAQ