SIP Calculator
Project your mutual fund SIP returns with step-up, lumpsum, and custom adjustments.
Deep Dive
The SIP (Systematic Investment Plan) Calculator is designed to help investors estimate the future value of their mutual fund investments with precision. Beyond basic projections, this tool includes advanced adjustment options for tax, inflation, and management fees. By accounting for these real-world factors, you get a much clearer picture of your 'Net Take-home' wealth. Whether you're planning for retirement or a specific financial milestone, these adjustments help bridge the gap between gross projections and actual purchasing power.
Who uses this?
- Planning retirement savings with monthly mutual fund investments
- Comparing SIP returns at different investment horizons
- Understanding the power of compounding over 20+ years
- Setting a monthly savings goal to reach a target corpus
Common Errors & Fixes
Projected corpus seems unrealistically high
Verify the return rate entered. 20%+ is aggressive; use 10–12% for realistic long-term projections.
Step-up SIP total differs from manual calculations
Step-up calculations are compounded annually. Each year's monthly amount is increased by the step-up %, which compounds the effect.
Expert FAQ
Why should I include tax and fees?
Management fees (expense ratio) and capital gains tax can significantly impact your final corpus. Including them provides a more accurate net wealth projection.
How does inflation affect my returns?
Inflation reduces the purchasing power of money. The inflation-adjusted value shows what your future corpus would be worth in 'today's' currency value.