What This SIP Calculator Helps You Do
This free SIP calculator helps Indian investors estimate how regular mutual fund investments may grow over time. Model a flat monthly SIP, a step-up SIP that rises with your income, or a lumpsum contribution, then compare invested amount with estimated corpus under your return assumption for 2026.
How It Works
You choose SIP, step-up SIP, or lumpsum, then set contribution size, years, and expected annual return. The model compounds monthly and charts invested capital against projected corpus year by year. From the results you can open AI Fund Discovery or best SIP fund shortlists to research Qonfido-rated funds.
Important Assumptions
Assumes a constant expected return with monthly compounding and no taxes, exit loads, or market volatility. Step-up mode increases the monthly contribution once a year by the selected percentage (default 10%). Treat outputs as planning estimates for 2026, not guaranteed outcomes.
Quick FAQs
What is a SIP calculator?
A SIP calculator estimates how a Systematic Investment Plan may grow when you invest a fixed amount at regular intervals. It projects invested amount, estimated gains, and corpus based on your tenure and expected return assumption.
How does this SIP calculator work?
Enter monthly SIP amount, investment years, and expected annual return. The calculator compounds contributions monthly and shows invested capital versus estimated corpus. You can also model a step-up SIP (annual increase) or a one-time lumpsum.
What is a step-up SIP?
A step-up SIP increases your monthly contribution each year (for example by 10%). It helps savings keep pace with income growth and can materially raise the projected corpus versus a flat SIP.
How is SIP different from lumpsum investing?
SIP invests a fixed amount every month, which averages purchase cost over time. Lumpsum invests the full amount once. This calculator lets you compare both approaches under the same return assumption.
Are SIP calculator results guaranteed?
No. Results are scenario estimates using a constant expected return. Real mutual fund returns vary with markets, costs, and taxes. Use the estimate as a planning baseline, not a promise.
Can I use this SIP calculator for Indian mutual funds?
Yes. It is built for India-first SIP planning in 2026. After estimating corpus size, you can jump to AI Fund Discovery or Qonfido-rated best SIP fund hubs to research funds.
Related SIP planning resources
After you estimate corpus growth, use these Qonfido tools to research funds and plan the next step of your investment journey.