SIP Calculator Guide: How to Read Maturity, Returns, and Assumptions
2026-05-01
Use a SIP calculator the right way: what the numbers mean, which return rate to assume, and common mistakes to avoid.
A SIP calculator estimates future value from a fixed monthly investment, an assumed annual return, and a time horizon.
The output is only as good as your assumption: use a conservative return for planning, not the best year your fund ever had.
Compare total invested versus estimated gains to see how much of the corpus comes from compounding versus contributions.
Treat the result as a planning range: real markets vary, and taxes or fees may reduce what you actually keep.