Support: SIP Calculator

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Common questions

How is SIP return calculated?

Each monthly instalment is treated as invested at the start of the month and grows at one twelfth of the yearly return every month until the end. The values of all instalments are added up. This is the method most fund houses' calculators use.

What will ₹10,000 a month become in 10 years?

At 12% a year, about ₹23.2 lakh on ₹12 lakh invested. At 10% it is about ₹20.7 lakh. Type your own numbers to compare.

What is a step-up SIP?

A SIP whose monthly amount rises by a set percentage every year, usually in line with your income. With a 10% step-up, ₹10,000 a month for 10 years at 12% grows to about ₹33.7 lakh.

What return should I expect?

No one can promise one. Equity funds have returned more than debt funds over long periods, but with large ups and downs. Try a few rates to see the range, and ask a registered adviser for advice.

Is SIP better than a lump sum?

A SIP spreads your buying over time, which smooths out market swings and fits a monthly salary. A lump sum invested earlier has longer to grow. Switch modes to compare the same total either way.

Does it include tax or fund charges?

No. Expense ratios are already reflected in a fund's reported returns; capital gains tax and exit loads are not included.

Is it free?

Yes, completely free, with no sign-up.