Investment Intelligence

SIP Calculator — See Your Real Wealth Growth

Calculate your SIP maturity value using compound interest, with inflation-adjusted returns and step-up SIP modeling built for Indian mutual funds.

Calculate My SIP
Compound interest projection over 5, 10, 20, or 30 years
Step-up SIP modeling — see the impact of increasing your SIP yearly
Inflation-adjusted real returns, not just nominal figures
Comparison against FD and PPF returns for context

How it's calculated

1
Enter your monthly SIP amount
Tell us how much you invest monthly, your expected annual return, and investment horizon.
2
We apply the compound SIP formula
Maturity value is calculated using the standard SIP future value formula, adjusted for monthly compounding.
3
See inflation-adjusted results
We show both nominal maturity value and real purchasing power after accounting for inflation.
4
Get a gap analysis
If your SIP is below what your goals need, Fiiuno flags the gap and suggests a corrected monthly amount.

Benchmarks we use

12-15%
Typical equity SIP CAGR (long-term)
Historical average for diversified equity mutual funds in India over 10+ year horizons.
20%
Recommended SIP-to-income ratio
Fiiuno benchmark for a healthy investment rate relative to take-home income.
6%
Assumed inflation rate
Used to calculate real (inflation-adjusted) returns on your projected corpus.

Frequently Asked Questions

How accurate is the SIP calculator?
It uses the standard compound SIP formula. Actual returns depend on market performance and are not guaranteed — this is a projection tool, not a promise of returns.
Does it account for expense ratio or exit load?
The base calculation shows gross returns. Fiiuno's full platform account lets you enter your specific fund's expense ratio for a net-of-cost projection.
Can I model a step-up SIP?
Yes — you can set an annual step-up percentage to see how increasing your SIP each year changes your final corpus.
Is this SEBI-registered investment advice?
No. This tool provides calculations for informational purposes only and does not constitute personalised investment advice. Consult a SEBI-registered advisor before investing.

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