Why is there no default return rate?

Because we do not forecast returns and nobody else can either. A pre-filled "12%" reads as a prediction. The rate is your assumption, and the point of the calculator is to show how much the answer depends on it.

Does a SIP guarantee a return?

No. A SIP is a way of investing — a fixed amount at fixed intervals — not a product and not a return. Investing this way through a fall buys more units at lower prices, but the value can and does go down, and there is no assured outcome.

Tax year 2026-27 · was AY 2027-28

SIP Calculator (with step-up)

What a monthly investment grows to at a return rate you choose — including a step-up SIP that rises each year.

Your numbers

Nothing you type here leaves your device as you work. Saving is the only thing that sends it anywhere, and only when you ask.

Amount each month

₹

₹5 thousand

Annual return you assumeyour assumption

There is no default here on purpose. Nobody — including us — knows what any investment will return.

For how many years

years

Increase the amount each year by

A step-up SIP rises with your salary.

My scenarios (0/10)

Snapshots of your inputs, so you can flip between them — “20 years at 9%” against “15 years at 9.5%”. Stored in this browser only, no account needed.

Fill in a few things

Still needed: annual return you assume.

We leave rate assumptions blank on purpose. A pre-filled number would read as our prediction, and nobody can predict a return. Put in whatever you think is realistic — then change it and watch how far the answer moves.

Questions people actually ask

Why is there no default return rate?: Because we do not forecast returns and nobody else can either. A pre-filled "12%" reads as a prediction. The rate is your assumption, and the point of the calculator is to show how much the answer depends on it.
Does a SIP guarantee a return?: No. A SIP is a way of investing — a fixed amount at fixed intervals — not a product and not a return. Investing this way through a fall buys more units at lower prices, but the value can and does go down, and there is no assured outcome.

Understand what the number means

A figure on its own decides nothing. These explain what is being calculated and what changes it.

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