Best SIP Calculators India 2026 — Compare Mutual Fund Tools
Compare the best free SIP calculators in India for 2026 — projected returns, step-up SIP, lumpsum vs SIP comparison, and which tool to trust.
SIP (Systematic Investment Plan) is how most Indians invest in mutual funds — a fixed amount every month, automatically. But before you start, you want to know: how much will my money grow? A good SIP calculator projects your future corpus based on monthly investment, expected returns, and time horizon.
Here's how the best free SIP calculators in India compare in 2026.
The SIP Return Formula
SIP returns are calculated using the future value of an annuity formula:
FV = P × [((1 + r)^n - 1) / r] × (1 + r)Where P = monthly SIP amount, r = expected monthly return rate, n = total number of months.
Top SIP Calculators Compared
| Feature | CalcHub | Groww | ET Money | Zerodha | Moneycontrol |
|---|---|---|---|---|---|
| Basic SIP projection | Yes | Yes | Yes | Yes | Yes |
| Step-up SIP (annual increase) | Yes | Yes | Yes | No | No |
| Lumpsum vs SIP comparison | Yes | No | Yes | No | No |
| Goal-based calculation | Yes | Yes | Yes | No | No |
| Inflation adjustment | Yes | No | Yes | No | No |
| SIP amount needed for goal | Yes | Yes | Yes | No | No |
| XIRR calculation | No | No | Yes | Yes | No |
| Ad-free | Yes | Yes | No | Yes | No |
| No login required | Yes | Yes | Yes | Yes | Yes |
| Mobile-friendly | Yes | Yes | Yes | Yes | Yes |
CalcHub SIP Calculator
Strengths: The CalcHub SIP calculator provides clear projections with both standard SIP and step-up SIP (where you increase your monthly amount annually). Shows the total invested amount vs. estimated returns visually. The goal-based reverse calculator tells you how much you need to invest monthly to reach a target corpus. Includes inflation adjustment to show real purchasing power. Completely free, no ads. Limitations: Doesn't connect to actual mutual fund schemes or show real historical returns of specific funds. It's a projection tool using your assumed return rate.Groww SIP Calculator
Strengths: Integrated with Groww's mutual fund platform. You can calculate SIP returns and immediately start investing in a fund. Step-up SIP option available. Clean interface consistent with Groww's design. Limitations: The calculator naturally funnels you toward investing through Groww. Return rate assumptions are preset — less flexibility for custom scenarios.ET Money SIP Calculator
Strengths: Provides inflation-adjusted returns alongside nominal projections. Goal-based planning with specific milestones. Shows how different return scenarios (optimistic, moderate, conservative) change the outcome. Limitations: Pushes toward their advisory and premium services. Ad-supported experience.Zerodha (Coin) SIP Calculator
Strengths: Simple and trustworthy — Zerodha's reputation for transparency extends to their tools. Basic but reliable calculations. Limitations: Very basic — no step-up SIP, no goal-based calculation, no lumpsum comparison. Primarily exists to support their mutual fund platform.Verdict
For comprehensive SIP planning: CalcHub — step-up SIP, goal-based reverse calculation, inflation adjustment, and no advertising. Best for serious planning without being pushed toward a specific platform. For invest-after-calculating: Groww — when you want to calculate and immediately start a SIP in one workflow. For scenario analysis: ET Money — when you want to see optimistic, moderate, and conservative projections side by side.What return rate should I assume for SIP?
For equity mutual funds, 12% is a commonly used long-term assumption based on historical Nifty 50 returns. For debt funds, 6-7%. For hybrid funds, 9-10%. These are pre-tax, pre-inflation estimates. Being conservative (10% for equity) gives you a more realistic picture than optimistic projections.
Is step-up SIP really worth it?
Dramatically so. Increasing your SIP by just 10% annually can grow your corpus by 50-70% more over 20 years compared to a flat SIP. It aligns with typical salary growth and significantly accelerates wealth building.
SIP vs lumpsum — which gives better returns?
In a consistently rising market, lumpsum wins because the full amount benefits from compounding from day one. In a volatile market, SIP wins through rupee cost averaging — buying more units when prices dip. For most people, SIP is better because it matches income patterns and removes the timing question.
Related Calculators
- Mutual Fund Returns Calculator — calculate CAGR and absolute returns
- Lumpsum Calculator — project one-time investment growth
- PPF Calculator — compare SIP returns with PPF maturity
- Compound Interest Calculator — understand the power of compounding