How to use the SIP calculator
- Pick a mode: SIP for a fixed instalment, Step-up SIP for one that rises every year, or Goal to work out the instalment a target needs.
- Choose monthly or weekly instalments.
- Enter the amount, the expected return a year and the time period. A lump sum at the start is optional.
- Switch between future rupees and today's money to see the effect of inflation.
- Under Run it as a stock or ETF SIP, choose shares or an equity ETF, your broker, and whether you sell at the end.
- Copy the link to save or share the plan.
How the SIP calculator works
A SIP puts the same amount into the market at a fixed interval. Each instalment grows for as long as it stays invested: the first one for the whole period, the last one for a single month. The SIP calculator adds up those instalments at the return you assume.
The last factor, (1 + i), is there because each instalment goes in at the start of its month and earns that month's growth. Many calculators set i to the annual return divided by 12. At 12% that is 1% a month, which compounds to 12.68% a year and lifts the result by about 6% over 15 years. This SIP calculator converts the annual rate exactly, so 12% means 12%. Switch to the ÷ 12 method under Assumptions to compare with other tools.
Step-up SIP calculator
A step-up SIP raises the instalment once a year, usually in line with salary. Choose Step-up SIP and set the yearly increase. The amount stays the same for 12 months, then rises by the percentage you set.
Start at ₹10,000 a month and raise it 10% a year for 15 years at 12%. The instalment reaches ₹37,975 a month in the final year. You invest ₹38,12,698 and the estimated value is ₹82,74,718, against ₹47,59,314 for a flat ₹10,000 SIP.
Target SIP calculator: the amount for a goal
Goal mode works backwards. Enter what the goal costs today, the years until you need it and the inflation you expect. The calculator raises the goal to its future cost, takes off what your existing savings will grow to, and shows the instalment that covers the rest, rounded up to the next ₹10.
A goal that costs ₹50 lakh today and is 15 years away costs about ₹1.20 crore at 6% inflation. At an assumed 12% a year, that needs ₹25,180 a month, or ₹14,490 a month to start with a 10% yearly step-up.
SIP returns calculator vs the returns you get
Every SIP returns calculator, this one included, assumes the same return in every year. Real prices move up and down, so the value of a SIP on a given date can be well above or below the estimate, and it can be below what you put in. The assumed rate drives the result more than any other input, so try a lower figure as well as the one you expect.
To measure what an existing SIP has earned, you need the date and amount of each instalment and today's value. The annual rate that links those cash flows is called XIRR, and a spreadsheet's XIRR function works it out.
What a stock or ETF SIP costs
A mutual fund SIP buys units at the fund's price with no charge per order. A SIP in shares or ETFs places a delivery order each time, so the usual charges apply, and you pay tax on the gain when you sell. The SIP calculator includes both.
| Charge | Shares | Equity ETF |
|---|---|---|
| Brokerage | ₹0 to ₹20 an order, by broker | Same |
| STT | 0.1% on buy and on sell | Nil on buy, 0.001% on sell |
| Stamp duty | 0.015% on buy | 0.015% on buy |
| Exchange and SEBI fees | About 0.003% of each order | Same |
| GST | 18% on brokerage and fees | Same |
| Tax when you sell | 20% on gains held up to 12 months; 12.5% on longer-held gains above ₹1.25 lakh a year; plus 4% cess | Same for equity ETFs |
Take ₹10,000 a month for 15 years at 12%. In shares through a broker charging ₹20 an order, the plan pays about ₹6,385 in buy charges over 180 orders, ₹4,943 to sell, and about ₹3.66 lakh in tax if everything is sold in one tax year, leaving about ₹43.71 lakh. In an equity ETF with ₹0 brokerage, buy charges fall to about ₹337 and selling costs about ₹226, leaving about ₹43.89 lakh.
Brokerage per order weighs most on small, frequent instalments. A weekly ₹2,500 SIP in shares at ₹20 an order pays about ₹20,723 in buy charges over 15 years. The charges on a single order are worked out line by line in the brokerage calculator.
QuantPower runs a stock SIP in shares and ETFs through your connected broker account, weekly or monthly. Stock orders are in whole shares, so each instalment can differ slightly from the amount you set.
Related calculators
- Compound interest calculator for a starting amount that grows with regular additions
- Brokerage calculator for the charges on one trade at four brokers
- Stock profit calculator for the profit on a holding after charges and tax
- Stock SIP for running a SIP in stocks and ETFs through your broker
Start your free trial
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Frequently asked questions
Which monthly rate does this SIP calculator use?
It converts the annual return to an exact monthly rate, (1 + annual return)^(1/12) − 1, which is 0.949% a month for 12%. Many calculators divide by 12 instead, which shows a higher figure for the same inputs. Switch the method under Assumptions to compare.
Is a lump sum better than a SIP?
With one constant positive return, a lump sum always ends higher because all the money is invested for longer: ₹18 lakh invested at once for 15 years at 12% grows to about ₹98.5 lakh, against ₹47.6 lakh for ₹10,000 a month. Markets do not move at a constant rate. A SIP spreads purchases across many prices, which lowers the risk of putting everything in just before a fall, and it suits money that arrives each month.
How does the SIP calculator work out tax when I sell?
It treats each instalment separately. Units bought in the 12 months before the sale are short-term and taxed at 20%. Older units are long-term: the first ₹1.25 lakh of long-term gains in a tax year is exempt and the rest is taxed at 12.5%. 4% cess is added. It assumes you sell everything in one tax year and have no other gains; spreading sales across tax years can use the ₹1.25 lakh limit more than once. Confirm your own position with a tax professional.
Can I run a weekly SIP?
Yes. Switch How often to Weekly. QuantPower runs stock and ETF SIPs weekly or monthly through your connected broker. Weekly instalments mean more than four times as many orders, so brokerage charged per order adds up faster.
Sources
- AMFI, Mutual Funds Sahi Hai: SIP value formula with instalments at the start of each period
- Income-tax Act 2025: capital gains on listed equity shares and equity-oriented funds for tax year 2026-27
- NSE: transaction charges; STT and stamp duty on delivery trades
- Zerodha, Upstox, Fyers, IIFL Capital and Wisdom Capital: published brokerage pages (checked 10 October 2026)