💹Thinkforu SIP Calculator
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SIP Calculator
Multi-Currency
Calculate SIP returns in Indian Rupee, US Dollar, Euro, British Pound 10 more currencies. The most complete SIP tool — with Step-Up, Inflation, Tax, Goal Planning more.
📅 Monthly / Quarterly / Yearly
🌍 12 Currencies
📈 Step-Up SIP
💰 Inflation Adjusted
🏦 Tax Estimation
🎯 Goal Planner
⚖️ Lumpsum vs SIP
📊 Year-by-Year Table
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SIP CalculatorCurrency
Monthly Investment 10,000
₹
Expected Annual Return (%) 12%
Investment Period 10 Years
Investment Frequency
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Your ResultsTotal Maturity Value
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Select currency and calculate
Total Invested
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Total Gain
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Wealth Ratio
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Absolute Returns
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InvestedReturns
📊 Year-wise Growth Chart
Invested
Gain
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Year-by-Year Breakdown| Year | Invested | Returns | Total Value |
|---|---|---|---|
| Calculate to see breakdown | |||
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Step-Up SIP CalculatorCurrency
Initial Monthly SIP 10,000
₹
Annual Step-Up (%) 10%
Expected Annual Return (%) 12%
Investment Period 10 Years
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Step-Up ResultsMaturity Value (Step-Up SIP)
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Total Invested
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Total Gain
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Final Monthly SIP
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vs Regular SIP
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Calculate to see insights
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Lumpsum vs SIPCurrency
Total Investment Amount 1,20,000
₹
Expected Annual Return (%) 12%
Investment Period 10 Years
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Comparison ResultSIP
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Lumpsum
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Calculate to compare strategies
When is SIP better?
SIP averages your cost over time (Rupee Cost Averaging), reducing risk from market timing. It is ideal for salaried investors with monthly cash flow.
When is Lumpsum better?
If you invest at market lows, lumpsum beats SIP significantly. Best when you have a large corpus and strong market timing ability.
SIP averages your cost over time (Rupee Cost Averaging), reducing risk from market timing. It is ideal for salaried investors with monthly cash flow.
When is Lumpsum better?
If you invest at market lows, lumpsum beats SIP significantly. Best when you have a large corpus and strong market timing ability.
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Inflation-Adjusted SIPCurrency
Monthly SIP Amount 10,000
₹
Expected Annual Return (%) 12%
Inflation Rate (%) 6%
Investment Period 10 Years
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Real vs Nominal ReturnsNominal Maturity Value
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Real Value (Today's ₹)
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Inflation Loss
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Real CAGR
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Nominal CAGR
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See how inflation erodes your real returns
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SIP Tax Estimator
⚠️ This is an estimate for Indian equity mutual funds (LTCG/STCG). Consult a tax advisor for jurisdiction-specific advice.
Monthly SIP Amount 10,000
₹
Expected Annual Return (%) 12%
Investment Period 10 Years
Fund Type
Your Tax Slab (for debt funds)
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Tax BreakdownPost-Tax Maturity Value
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in Indian Rupee
Gross Maturity
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Total Gain
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Taxable Gain
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Tax Payable
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Calculate to see tax breakdown
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SIP Goal PlannerKnow your target amount? Find out how much to invest monthly.
Currency
Target Amount 50,00,000
₹
Expected Annual Return (%) 12%
Time to Achieve Goal 10 Years
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Required SIPRequired Monthly SIP
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Total to Invest
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Expected Returns
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Goal Amount
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Daily Investment
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Enter your goal and calculate
Frequently Asked Questions About SIP
SIP stands for Systematic Investment Plan, a method of investing a fixed amount regularly (monthly, quarterly, etc.) in mutual funds. Instead of investing a lump sum at once, SIP lets you invest small amounts periodically, benefiting from Rupee Cost Averaging — you automatically buy more units when markets are low and fewer when markets are high, reducing risk over time.
SIP returns are calculated using the compound interest formula for periodic investments:
M = P × [((1 + r)^n − 1) / r] × (1 + r)
Where: P = Monthly investment | r = Monthly rate (annual%/12/100) | n = Number of months
Our calculator applies this formula accurately to give you the exact maturity value.
Where: P = Monthly investment | r = Monthly rate (annual%/12/100) | n = Number of months
A Step-Up SIP (also called Top-Up SIP) is a variant where you increase your monthly investment by a fixed percentage each year. For example, if you start with 10,000 per month and step up by 10% annually, you'll invest 11,000 in year 2, 12,100 in year 3, and so on. This aligns with salary increments and significantly boosts your corpus over time compared to a regular SIP.
Historically, Indian equity mutual funds have delivered 12–15% CAGR over long periods (10+ years). US S&P 500 index funds average ~10–11% annually. Debt funds typically give 6–8%. Small-cap funds may give 15–18% but with higher risk. For conservative estimates, use 10–12% for equity SIPs and 6–7% for debt SIPs in your calculations.
Both have their place. SIP is better for: salaried investors with regular income, volatile markets, beginners, and risk-averse investors. Lumpsum is better when: you have a large corpus ready, markets are significantly undervalued, and you have a long horizon. Our Lumpsum vs SIP comparison tab helps you see the exact difference for your numbers.
For equity mutual funds: Gains held for more than 1 year are Long Term Capital Gains (LTCG) taxed at 12.5% above the 1.25 Lakh exemption limit (post-Budget 2024). Gains held less than 1 year are STCG taxed at 20%. For ELSS funds, you get 80C deduction up to 1.5 Lakh. For debt funds (post April 2023), gains are taxed as per your income slab.
Most mutual funds allow SIP starting from as low as 100 Indian Rupees per month (for select funds). Common minimum SIPs are 500 or 1,000 per month. International funds and specialized funds may have higher minimums. Our calculator supports amounts from 100 upward.
Yes! One of the biggest advantages of SIP is flexibility. You can: pause SIP for 1–3 months (most AMCs allow this), stop SIP entirely without penalty (your invested corpus remains and continues to grow), increase or decrease the SIP amount, or switch to a different fund. There are no lock-ins except for ELSS funds which have a 3-year lock-in per installment.
Why Use Our SIP Calculator?
Our advanced SIP calculator is the most feature-rich free SIP tool available online. Whether you're a beginner wanting a simple monthly SIP estimate or a seasoned investor needing inflation-adjusted real returns with tax implications, this tool covers it all — in 12 different currencies.
🌍 Multi-Currency
Calculate SIP in Indian Rupee, US Dollar, Euro, British Pound, UAE Dirham, Singapore Dollar, Japanese Yen & more.
📈 Step-Up SIP
Automatically increase your SIP annually to match salary hikes. See how even 10% annual step-up dramatically boosts your corpus.
💸 Inflation Adjusted
See what your maturity value is worth in today's purchasing power. Understand your real returns vs nominal returns.
🏦 Tax Estimator
Get an estimate of LTCG tax on equity funds, debt fund taxation as per slab, and ELSS tax benefits under 80C.
🎯 Goal Planner
Have a target corpus in mind? Enter your goal and let the calculator tell you exactly how much monthly SIP you need.
⚖️ Lumpsum vs SIP
Compare both investment strategies side-by-side for the same corpus and time period to make an informed decision.
SIP Calculator Formula Explained
The SIP calculator uses the Future Value of Annuity formula. For a monthly SIP, the formula is:
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
P = Monthly SIP amount
r = Monthly rate of return = Annual Rate / 12 / 100
n = Total number of months = Years × 12
FV = Future Value (Maturity Amount)
P = Monthly SIP amount
r = Monthly rate of return = Annual Rate / 12 / 100
n = Total number of months = Years × 12
FV = Future Value (Maturity Amount)
The "×(1+r)" at the end accounts for the fact that SIP investments are made at the beginning of each period (annuity due). This is the most accurate formula used by SEBI-registered mutual fund platforms and AMCs in India.
SIP in Different Currencies — A Comparison
Our tool supports SIP calculations in 12 major currencies. Whether you are an NRI investing from the USA, UAE, UK, or Singapore, or a resident Indian planning mutual fund investments, you can calculate SIP returns in your preferred currency. Note that the rate of return varies by market — Indian equity markets have historically given 12–15% CAGR while developed markets like the US average 10–11%.