SIP Calculator — Plan, Goal & Real-Fund Backtest
Three calculators in one: project what a monthly SIP grows into (with an annual step-up), find the SIP a target corpus needs, or — the part generic calculators can't do — backtest your SIP through a real fund's actual year-by-year returns and see what it would genuinely have built.
Assumes returns compound monthly at a constant rate — real market returns vary year to year. Projection, not a promise; not investment advice.
SIP questions, answered
How is SIP return calculated?
Each monthly instalment compounds from the day it's invested: FV = P × [((1+i)^n − 1) ÷ i] × (1+i), where P is the monthly amount, i the monthly rate (annual ÷ 12) and n the number of months. This calculator simulates month by month, so an annual step-up is handled exactly.
What return should I assume for an equity SIP?
10–12% a year is a commonly used long-term planning assumption for diversified Indian equity funds — aggressive categories have delivered more over long periods, with far bigger swings. Use a conservative number for planning; real returns arrive unevenly.
What is a step-up (top-up) SIP?
A step-up SIP increases your instalment every year — say 10% — to track salary growth. It dramatically raises the final corpus: the later, larger instalments do less compounding but are much bigger, and it keeps your savings rate honest as income rises.
What does the backtest mode show?
Instead of a flat assumed rate, backtest mode replays your monthly SIP through a real Indian fund's actual calendar-year NAV returns — so instalments that landed in a bad year genuinely bought low. It shows what the SIP would have grown to, the absolute return on money invested, and each year's real return. Past performance, not a projection.
Which funds should I run a SIP in?
Pick the category from your horizon first (index/large cap for 3–5 years, flexi cap for 5–7, mid/small cap for 7+), then choose within it on risk-adjusted metrics — FundLens ranks every Indian equity and index fund 0–100 within its category to make that comparison easy.
Popular SIP plans
Now pick the fund
FundLens is a research tool, not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell. Projections assume constant returns and backtests replay historical data — past returns don't guarantee future results.