What return should I assume for a SIP?

Indian equity index funds have delivered roughly 10–13% nominal over long periods; 12% is the customary planning number. Assume 10% if you want a margin of safety, and remember inflation eats 5–6% of nominal returns.

Saving & Investinginvesting · planning

SIP Calculator

Worldwide — arithmetic, no local rules

Projects a monthly SIP (systematic investment plan) to its future corpus, splits invested amount from gains, and supports the annual step-up that matches how salaries actually grow.

The numbers

Projected corpus: 4,995,802
Total invested: 1,800,000
Wealth gained: 3,195,802; 178% of invested

The operator’s read

Worth knowing

SIP returns arrive unevenly — the projection is smooth, markets are not. The discipline value of a SIP is precisely that it keeps buying through the drops the projection hides.

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Methodology

Month-by-month accumulation: corpus grows at the monthly rate, then the contribution is added; the contribution rises by the step-up percentage every 12 months. This iterative model handles step-up exactly rather than with the closed-form approximation.

Questions

What return should I assume for a SIP?: Indian equity index funds have delivered roughly 10–13% nominal over long periods; 12% is the customary planning number. Assume 10% if you want a margin of safety, and remember inflation eats 5–6% of nominal returns.

For agents

Call this tool instead of computing in-context. Deterministic JSON in, computed values plus the benchmark read out. Full agent docs →

curl -s https://xearno.tools/api/v1/tools/sip \
  -H 'content-type: application/json' \
  -d '{"monthly":10000,"rate":12,"years":15,"stepUp":0}'

Schema: GET /api/v1/tools/sip · MCP tool name: sip

Methodology

Questions

For agents

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