Advanced SIP Calculator

The regular SIP calculator gives you one number: the maturity value at a fixed monthly amount and return rate. This one lets you layer on a step-up SIP, inflation, post-tax returns, an expense ratio, and a realistic return range, so the final number reflects what you would actually walk away with, not just a textbook compounding formula.

The nominal corpus is what shows up in your account statement. It has not been adjusted for the tax you will pay when you redeem, or for the fact that a rupee ten years from now buys less than a rupee today. Turning on both the inflation and post-tax toggles shows you the real, post-tax corpus, the amount of today's purchasing power you will actually be able to spend after tax. For a long tenure at a high inflation rate, this can be 40-50% lower than the nominal figure, which is normal, not a bug.

Every SIP installment is its own purchase with its own date, so it has its own holding period on the day you redeem. We track each installment individually (FIFO, so the earliest installments are treated as sold first) and split gains into short-term and long-term based on each installment's actual holding period, rather than applying one average tax rate to your whole gain. This matches how capital gains tax actually works in India.

Under current Indian tax rules, there is no separate "hybrid fund" tax category. A fund is either equity-oriented (at least 65% in equities, taxed under the equity STCG/LTCG rules) or it is not, in which case it is taxed at your income tax slab rate like a debt fund, with no long-term/short-term split. Most hybrid and balanced funds do not cross the 65% equity threshold, so this calculator taxes the "Hybrid" option the same way as "Debt". Check your specific fund's equity allocation if you are unsure which bucket it falls into.

Mutual fund returns are never guaranteed, and your investment horizon is not always fixed either. The sensitivity grid shows your final corpus across a range of tenures and return rates around your actual inputs, so you can see how much the outcome changes if the market returns 2% less than expected, or if you stay invested five years longer. It is a quick way to stress-test your plan instead of anchoring on a single optimistic number.

The return range shows three fixed paths, pessimistic, expected, and optimistic, based on a volatility spread around your expected return. The Monte Carlo simulation goes further: it runs 300 simulated years of random annual returns drawn around your expected return and volatility, then shows the 10th, 50th, and 90th percentile outcomes across all those paths. It gives you a more realistic sense of the odds than three flat lines, entirely computed in your browser.

Money invested earlier compounds for longer, and in the first few years of a long SIP that difference is small in absolute terms but compounds into a large gap by the end. The 'cost of waiting' callout shows exactly how much your final corpus drops if you delay starting by 1, 2, or 5 years, or if you pause contributions for 6 months, so procrastination has a concrete rupee number attached to it instead of feeling abstract.

Direct plans skip the distributor commission built into regular plans, so they typically carry a lower expense ratio (roughly 0.5% vs 1.5% for regular plans, though this varies by fund). Over a long SIP tenure, that difference compounds into a meaningful amount, shown in this calculator as the "switching could save you" figure. Regular plans do come with an advisor or distributor relationship, which some investors value, so the right choice depends on whether you want that support.