Frequently Asked Questions

Enter your regular investment amount, expected annual return rate, and how many years you plan to invest. The tool instantly estimates your maturity value and shows the split between the amount you put in (total invested) and the gains you could earn — no submit button needed.

A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals — usually monthly — into a mutual fund. Instead of timing the market with a large lump sum, you spread investment over time, averaging your purchase cost and benefiting from compounding on every instalment.

Yes, it's completely free — no sign-up, no downloads, and no usage limits. Run as many projections as you need, whenever you need them.

Yes. Enter a one-time amount in the optional Lump Sum field and the calculator adds it to your starting balance, compounding it alongside your regular SIP contributions. The summary shows the combined maturity value, total invested, and estimated returns.

A step-up (or top-up) SIP automatically increases your contribution by a fixed percentage each year. For example, a 10% step-up on a ₹5,000 monthly SIP means you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on. This mirrors income growth and can substantially boost your maturity value. The calculator applies the step-up at the end of each year and reflects it in the year-by-year breakdown.

The calculator uses a month-by-month compounding simulation with your chosen return rate applied as a constant each month. Real mutual fund returns fluctuate with market conditions — some years higher, some lower — so treat the result as an indicative projection for planning purposes, not a guaranteed outcome.

Yes. A table shows total invested, portfolio value, and estimated returns at the end of each year, so you can see exactly how your corpus builds over time. A growth chart alongside plots the invested amount vs portfolio value, making the compounding curve visually clear.

Yes. Use the Number system toggle to switch between Indian (10,00,000 = ten lakh) and international (1,000,000 = one million) grouping. All numbers — inputs, summary cards, chart axes, and the breakdown table — update immediately. A live numbers-in-words display beneath key fields gives you a quick sanity check against accidental extra zeros.

No. Everything runs in your browser. Your figures are never sent to a server, stored in a database, or logged anywhere. Close the tab and the data is gone.

This is an educational estimation tool, not financial advice. Mutual fund investments carry market risk — past performance does not guarantee future returns and the value of your investment can go up or down. Always read the scheme information document (SID) and consult a qualified financial advisor before investing.