FinToku
SIP Calculator Pro
Multi-currency · Monthly / Yearly SIP · Step-up · Lump sum · Goal planning · Comparison
Quick start — typical investment goals
Currency
SIP frequency
Rs
%
years
Lump sum (one-time)
Added at start of investment
Annual SIP step-up (%)
Increase SIP amount each year
Inflation rate (%)
To show real (inflation-adj.) value
Maturity value
—
Real value: —
Total invested
—
Wealth gained
—
— × your money
Effective XIRR
—
Abs. return: —%
💡 At this return, your money roughly doubles every — years (Rule of 72)
Total invested
Wealth gained
Total invested
Maturity value
Year-wise investment schedule
↔ Swipe sideways to see all columns
| Year | SIP amount | Invested (yr) | Total invested | Returns | Value |
|---|
Enter your target corpus and see what SIP you need, or how long it will take.
Target corpus
Expected return (% p.a.)
Time horizon (years)
Fill in the fields above to see what SIP you need to reach your goal.
Compare your SIP at three different return scenarios.
Conservative return (%)
Moderate return (%)
Aggressive return (%)
Disclaimers & Safety Tips
- Estimates only. This calculator assumes a constant annual return compounded monthly. Real mutual fund and market-linked returns fluctuate year to year and are never guaranteed.
- Not investment advice. Nothing here is a recommendation to buy, sell, or hold any fund or security. Speak with a SEBI-registered investment advisor before committing money.
- Inflation matters. Check the "real value" figure alongside the headline maturity value — rupees a decade from now will buy less than they do today.
- Build an emergency fund first. Keep 3–6 months of expenses in an accessible, low-risk account before starting or increasing a SIP.
- Never invest borrowed money. Only commit funds you can comfortably set aside for the full investment horizon without needing to withdraw early.
- Diversify. Avoid putting your entire corpus into a single fund, sector, or asset class — spread risk across instruments suited to your goals and timeline.
- Be wary of high step-ups. Aggressive step-up percentages look impressive on paper but assume your income will keep pace — stress-test with a lower step-up too.
- Verify before you invest. Only invest through SEBI-registered AMCs/platforms, and confirm any advisor's registration on the SEBI website before sharing money or documents.
- Review periodically. Revisit your SIP amount, fund choice, and goals at least once a year, or after any major income or life change.
Free tool by FinToku · Results are indicative estimates only. Mutual fund investments are subject to market risks — read all scheme-related documents carefully. Past returns do not guarantee future performance.