Calculator

SIP Calculator

See exactly what a monthly SIP in any fund would have returned — based on actual NAV history, not assumptions.

Select Fund & Parameters

Mutual Fund

Monthly SIP Amount₹5,000

₹500₹2L

Start Month

Start Year

SIP Date (day of month)10th

1st28th

How it works

We use actual daily NAV data from AMFI. For each monthly SIP date, we find the real NAV on that day (or the next trading day if it was a holiday) and compute the units purchased.

→ Real NAV, not assumed returns
→ Holiday-adjusted SIP dates
→ XIRR computed from actual cash flows
→ Regular-Growth plans only

What is XIRR?

XIRR (Extended Internal Rate of Return) is the most accurate way to measure SIP returns. Unlike simple CAGR, it accounts for the fact that each monthly investment was made at a different time, giving you the true annualised return on your money.

SIP Tips

→ Increase SIP by 10–15% every year (Step-Up SIP)
→ Stay invested through market corrections
→ A longer horizon dramatically improves returns
→ Diversify across 2–3 fund categories