Enter your monthly amount, expected return and duration — the projection is calculated locally in your browser, and your figures are never uploaded. (If you look up a specific mutual fund, its public performance data is fetched from an external service; your own numbers stay on your device.)
Auto-detected — change it anytime; we'll remember your choice.
Fine-tune your planstep-up, inflation, tax →
Pause SIP & one-time investmentsoptional →
Interactive charts
Growth, invested vs returns, yearly growth, split and inflation comparison. Drag-select on the growth chart to zoom (double-click to reset), or download any chart as an image.
Milestone tracker
When your portfolio first crosses each landmark.
Breakdown table
Investment, interest earned, tax and inflation-adjusted value — yearly or month by month.
SIP vs FD, PPF, EPF, Gold, Nifty 50 & Sensex
The same cash flows compounded at typical historical rates (editable). For information only — past rates don't guarantee future returns.
Scenario simulator
Save the current inputs as a scenario, tweak anything (SIP, duration, returns, step-up, pauses, one-time investments), save again, and compare — scenarios persist in your browser.
Mutual fund explorer & historical analytics
Search any Indian mutual fund, view NAV history, CAGR, rolling returns and volatility computed from real NAV data, back-test your SIP on actual history (XIRR), and compare up to 5 funds. Data: mfapi.in (free AMFI NAV feed) — needs an internet connection. AUM, expense ratio, exit load and fund-manager details aren't part of the free NAV feed; check the AMC page for those.
Type at least 3 characters to search.
How this SIP calculator works
A Systematic Investment Plan (SIP) invests a fixed amount at a regular interval — usually monthly — into a mutual fund. The classic maturity formula is FV = P × ((1+i)ⁿ − 1) / i × (1+i), where P is the instalment, i the periodic return and n the number of instalments. Real portfolios are messier than the textbook formula, so this planner simulates your investment month by month: annual step-ups, yearly top-ups, paused months, one-time investments and quarterly/half-yearly/yearly frequencies are all applied exactly when they happen, and the result is reported both as a nominal corpus and in today's purchasing power after inflation.
Step-up SIP: the easiest upgrade to your wealth plan
Increasing your SIP by even 10% a year — roughly in line with salary growth — can add a surprisingly large amount to the final corpus, because the biggest instalments arrive in the years when compounding has the most money to work with. Use the Annual step-up slider to see the difference instantly, then save both versions as scenarios to compare them side by side.
XIRR vs CAGR
CAGR describes a single lumpsum growing over time. A SIP is many cash flows on many dates, so its true annualised return is the XIRR — the discount rate at which all your instalments grow exactly into the final corpus. This calculator reports XIRR for every plan and computes it from real NAV history when you back-test a fund.
Inflation and tax: the numbers that actually matter
₹1 crore in 20 years is not ₹1 crore today. At 6% inflation it buys what about ₹31 lakh buys now. The planner shows the inflation-adjusted ("real") value of your corpus, and can apply long-term capital gains tax (12.5% above ₹1.25 lakh of gains per year of sale, as per current Indian rules — editable) so you plan on post-tax money, not headline numbers.
Frequently asked questions
How is SIP return calculated?
Using the future-value-of-annuity-due formula for the simple case, and a month-by-month simulation when step-ups, top-ups, pauses or one-time investments are involved. The annualised figure shown is the XIRR of all cash flows.
What is a step-up SIP?
A SIP whose instalment increases by a fixed percentage every year, e.g. ₹10,000 growing 10% annually becomes ₹11,000 in year two, ₹12,100 in year three and so on.
What return should I assume?
Long-run Indian equity indices have historically delivered low-double-digit annualised returns, debt funds mid-single digits — but past returns don't guarantee future ones. Try a conservative and an optimistic scenario and plan for the conservative one.
Is my data uploaded anywhere?
No. All planning calculations run in your browser. The only network requests are the optional mutual-fund NAV lookups you trigger, which go directly to the public mfapi.in feed.
Is this investment advice?
No — it's an educational planning tool. Returns are assumptions, mutual fund investments are subject to market risk, and you should read scheme documents carefully or consult a SEBI-registered adviser before investing.
What a SIP is
A systematic investment plan works by contributing a fixed amount at regular intervals rather than a lump sum. Two forces drive the outcome: the total you contribute over time, and the growth those contributions may earn while invested.
How the numbers build up
The contributions are straightforward arithmetic. Investing 5,000 a month for 12 months means 5,000 x 12 = 60,000 contributed in a year, before any growth. Over longer periods, earlier contributions have more time to compound, which is why the estimated final value grows faster than the amount you put in.
Compounding and rate periods
Growth is usually described as an annual rate but applied over each period. A monthly plan compounds monthly, so an annual rate is effectively divided across the twelve contributions each year. Longer durations magnify compounding because returns are earned on top of previous returns.
An important limitation
Any growth figure you enter is an assumption, not a promise. Real investment returns vary and can be negative in some periods. The calculator shows what a chosen rate would produce; it cannot predict what the market will actually do.
Periodic investing turns time into part of the calculation
Investing a fixed amount repeatedly means each contribution has a different amount of time to grow. The first contribution can compound for much longer than the last.
Compounding changed finance by making time measurable
Compound growth earns returns on previous accumulated returns as well as principal. That makes rate and time interact multiplicatively rather than as a simple one-time percentage.
Related guide: Read a SIP projection honestly →