thefinancialhygiene

SIP Calculator

Educational Tool

SIP Calculator

Plan your mutual fund SIP using either a fixed regular investment or a target goal. Returns shown are illustrative.

Final Value: ₹ 0.00
Total Investment: ₹ 0.00
Total Gains: ₹ 0.00
SIP Required: ₹ 0.00
Total Investment: ₹ 0.00
Total Gains: ₹ 0.00
Final Value: ₹ 0
Total Investment: ₹ 0
Total Gains: ₹ 0
SIP Required: ₹ 0
Total Investment: ₹ 0
Total Gains: ₹ 0

How to use this SIP calculator

  • If you know how much you can invest regularly, use “I know how much I can invest regularly”.
    • The frequency can be monthly/quarterly/ half yearly or yearly.
  • If you have a target corpus that you wish to accumulate, use “I have a target amount in mind” to estimate the SIP required.
  • Use “I want to compare both approaches” to view both methods side-by-side and sanity-check your plan.

Assumptions

  • Returns are assumed to be constant and compounded at the selected contribution frequency.
  • This tool does not include taxes, exit loads or mutual fund expense ratios.
  • Markets are volatile—actual returns can be higher or lower than the assumed rate.

Quick notes

  • If your goal is long-term (10+ years), consider adding inflation adjustment to the goal amount.
  • If you expect income growth, a Step-up SIP often reaches the same goal with a lower starting SIP.

FAQ

Is SIP return guaranteed?
No. SIP is just a way to invest regularly. Returns depend on the underlying investment performance.

Does this include taxes and charges?
No. This tool is for estimation and learning. Real-world outcomes may differ due to taxes, fund expenses changes, and timing.

Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Please consult a qualified professional before making investment decisions.
Built by Ishita — documenting my learning while preparing for CFP and building practical finance tools.