Can I use real market returns in this SIP calculator?

Yes. Choose Index or Mutual Fund under Rate Source to auto-fill the expected return with a historical CAGR computed from Yahoo Finance (indices) or MFAPI.in (mutual fund NAV history).

Are these returns guaranteed?

No. The rate pulled is historical CAGR for the selected period and asset. Markets are volatile and future returns can differ.

SIP Calculator

Monthly Investment (?)

Expected Return (% p.a.)

Years

Step-up SIP (% per year, optional)

Inflation (% p.a., optional)

Inflation Country

Contribution Day (1–28)

Rate Source

Disclaimer: Auto rates are historical CAGR for the selected asset and period. Markets are volatile; past returns don’t guarantee future results.

Enter values and hit Calculate or pick a Rate Source to auto-fill return.

G-SIP LUMP EMI

How this SIP calculator works

SIP future value is computed as FV = P � [((1 + r)^n - 1) / r] � (1 + r), where P is monthly investment, r is monthly return (annual/12/100), and n is total months. Step-up (if any) increases P at the chosen rate each year.

Example

?5,000/month for 10 years at 12% p.a. ? r = 0.12/12. FV � ?11.6 lakh.

You can pull historical CAGR from indices or mutual funds to prefill the expected return.

Related tools: FD Calculator � EMI Calculator � Currency Converter