Sip Calculator India
Calculate SIP and lump sum mutual fund returns with visual wealth growth chart. Compare invested amount vs estimated gains.
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Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
About SIP Calculator
Calculate future value of SIP (Systematic Investment Plan) or lump sum mutual fund investment. Interactive chart shows year-by-year wealth growth. Compare equity SIP returns vs FD or PPF.
SIP Calculator is a free, browser-based utility that requires no login, no signup, and no installation. All processing happens entirely within your web browser using JavaScript — your data never leaves your device. The tool works on all screen sizes including mobile phones, tablets, and desktop computers.
How to use
- Enter your values in the input fields — results update instantly as you type.
- No submit button needed. The tool calculates in real time.
- Copy your result or share it via WhatsApp or Twitter using the buttons above.
- Use the workflow links below to chain into related tools for a complete task.
- All processing is browser-only. Nothing you enter is sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
EBI data: Average 10-year SIP return for Nifty 50 index funds is 12-13% annually. ELSS SIPs qualify for Section 80C deduction up to ₹1.5 lakh with shortest lock-in (3 years) among 80C instruments.
Frequently asked questions
What return rate to assume for SIP?
12% for large-cap equity, 14-16% for mid/small cap, 8% for debt funds, 10% for balanced funds. These are historical — not guaranteed.
Is SIP better than FD over 10 years?
Historically yes — equity SIPs have returned 12-15% vs FD at 6-7%. But SIPs carry market risk. For goals > 7 years, SIP is generally preferred.
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