Can anyone make ₹1 crore by investing just ₹100 per day in SIP? I would say both yes and no. While a monthly investment of ₹3,045 may (take it with a grain of salt) help you reach ₹1 crore in 25 years, have you considered the real value of this ₹1 crore after a few decades? It would be worth only ₹20 lakhs in today’s terms, due to inflation and deductions associated with mutual fund investments, like LTCG and expense ratios.
SIP in mutual funds can definitely help grow your wealth, but the return estimates claimed on that reel you saw on Instagram present only half the truth. That’s why I have designed this SIP calculator to give you a realistic picture of how much your investment would grow.
SIP Calculator by Smartin Enter your investment details (SIP or LumpSum) and instantly calculate your returns. Adjust for inflation, MF Expense Ratio, Step-up, LTCG, and calculate Growth Percentage to fine-tune your corpus. Download a personalized PDF report.
SIP Return Results
Invested Amount:
Estimated Returns:
Final value of Investment:
Inflation-Adjusted value of Investment:
Your investment has grown by over years.
Invested Amount:
Estimated Returns:
Total value of Investment:
Inflation-Adjusted value of Investment:
Your investment has grown by over years.
Hey thanks for visiting, I’m Smartin. As a mutual fund investor myself, I’m here to help people getting misled by those fin-influencers, who often share exaggerated SIP return figures to lure customers into Mutual Funds, in return of consultation fees and commissions. This SIP calculator will help you plan your investments without anyone’s help. For accuracy, I have verified the calculations with popular MF platforms like Groww. Read on to learn how to use this tool—I’ll also share many insights and use cases along the way.
What is SIP and how a Calculator can help?
SIP (Systematic Investment Plan) is now one of the best methods to invest in the Indian stock market, particularly in the equity asset class, with mutual funds as the vehicle. Through SIP, investors can deposit a selected amount regularly (usually monthly) into mutual funds of their choice. Mutual fund distributors or platforms take care of the entire process after setting up the SIP, including the monthly deductions, while MF houses decide on the investment strategy and allocations based on the amount, fund, and theme you’ve selected. SIP in mutual funds allows investors to diversify their equity investment, whether it’s through index funds, sectoral funds, or thematic funds, without requiring large capital or extensive research.
Recently, SIP as a method has gained tremendous acceptance in India, largely due to the rise of social media and digital investment platforms like Groww, which simplified the SIP investment process for investors. In 2024, mutual funds in India hold over ₹66 lakh crore as Assets Under Management (AUM), even with only about 15-20% of Indian households participating.
How can a SIP calculator help you?
A SIP calculator, like ours, helps you accurately estimate the future value of your investment by inputting basic details such as the SIP amount, term, and expected rate of return. Using such a tool allows you to plan how much you may want to invest to meet your future goals, such as buying a house, funding your child’s education, marriage, or retirement.
However, when using a SIP calculator, it’s important to exercise caution to avoid overestimating or exaggerating potential returns. Real returns can be affected by various factors, including inflation and the fees charged by platforms and fund houses.
Features of Smartin’s SIP Calculator.
The popular and mainstream calculators out there do not provide options for inflation adjustment or deductions, not to mention step-up, initial investment, and PDF generation. Although Groww offers separate tools for checking the inflation and step-up calculation, customers have to copy the result from one calculator to another to make a decision. We have everything in a single window, and that makes our application different and a perfect alternative.
- SIP Return Calculation.
- LumpSum Investment Calculation.
- Inflation adjustment.
- SIP with annual Step-up
- SIP with Initial Investment.
- MF Expense Ratio.
- LTCG Tax.
- PDF Report generation.
- Yearly SIP growth.
- Yearly Step-up SIP amount calculation.
- Total Growth in percentage.
- Graphical illustration.
- Offline & mobile Support.
Even a beginner without any knowledge can rely on Smartin’s SIP calculator to find their investment outcome. We will go through each feature in detail, how to use it, and the calculation logic behind the estimations, in the upcoming sections.