What return rate should I use for SIP?
Many planners use 10–12% for long-term equity SIP illustrations. Debt funds are lower. Past returns do not guarantee future performance.
Investment Calculators
See how monthly SIPs and one-time investments can grow over time. Compare returns with CAGR and XIRR tools before you commit your money.
Start here
- Step Up SIP Calculator
See how increasing your SIP by a fixed percentage every year boosts long-term wealth versus a flat monthly SIP.
- Mutual Fund Calculator
Project mutual fund returns for SIP or lumpsum investments with expected annual growth rate.
- SIP vs Lumpsum Calculator
Compare investing the same total amount as a one-time lumpsum vs spreading it as monthly SIP.
- SIP vs FD vs PPF Calculator
Compare mutual fund SIP returns against Fixed Deposit and PPF for the same investment period.
- NSC Calculator
Calculate National Savings Certificate maturity value with annual compounding over the 5-year tenure.
- RD vs FD vs SIP Calculator
Compare monthly savings in Recurring Deposit, Fixed Deposit (lump sum), and mutual fund SIP for the same period.
- XIRR Calculator
Calculate Extended Internal Rate of Return for irregular cash flows.
- SIP Calculator
Calculate returns on your Systematic Investment Plan with monthly contributions and expected annual returns.
- Lumpsum Calculator
Calculate returns on one-time lump sum investments in mutual funds.
More calculators
- Investment Return Calculator
Calculate total returns on investments including absolute and annualized gains.
- SWP Calculator
Plan systematic withdrawals from your investment corpus during retirement.
- CAGR Calculator
Calculate Compound Annual Growth Rate for investments and business metrics.
- ROI Calculator
Calculate Return on Investment as a percentage of gain or loss.
- Investment Calculator
Project investment growth with initial capital and monthly contributions over time.
- Future Value Calculator
Calculate what your money will be worth in the future with compound growth.
- Present Value Calculator
Find today's value of a future sum discounted at a given rate.
- Savings Calculator
Estimate savings growth with regular deposits and compound interest.
- Savings Goal Calculator
Find how much to save monthly to reach your financial target.
Common questions
Each question is answered directly below. Expand any item for the full response.
SIP or lumpsum — which is better?
SIP reduces timing risk. Lumpsum can win in rising markets. Use both calculators side by side for your amount and horizon.