SIP calculator

Most SIP calculators round the corner on the math. They apply a flat annual return to your total investment and call it a projection. Real mutual fund returns compound monthly, and each instalment compounds for a different length of time — the rupee you invest this month works for twenty years, the one you invest in year nineteen works for twelve months. This calculator does the geometric monthly compounding properly, so the corpus it shows is the one Groww and the AMC statements will agree with.

The number that actually reaches you is smaller than the headline corpus, and most tools never show you that gap. Turn on inflation and you see what the money is worth in today’s rupees. Turn on tax and the engine runs FIFO lot accounting across your instalments — the way the Income Tax Department treats redemptions — to split long-term and short-term gains and apply the right rate to each. Both are opt-in, because the gross figure is fine for a quick look and the real one matters when you’re planning around it.

Pick a monthly amount to see where it lands, or switch to goal mode and let the engine solve for the SIP a target corpus needs. Either way, every figure below is computed in your browser — nothing you type is sent anywhere.