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Advanced SIP Investment Calculator

India's most comprehensive SIP calculator — goal-based planning, reverse SIP, step-up SIP, Monte Carlo simulation, scenario analysis, tax impact, lump sum hybrid, risk profiling, comparison mode and 20+ features.

✓ Goal-Based SIP ✓ Monte Carlo ✓ Step-Up SIP ✓ Tax Impact ✓ Scenario Analysis ✓ 23 Features
SIP Calculator
Switch between Forward SIP, Goal-Based (Reverse) and Comparison modes
📌 Basic SIP Inputs
₹
₹10,000
% p.a.
12%
Years
15 yr
⚡ Advanced Options
% / yr
Increase SIP by this % every year (0 = fixed SIP)
% / yr
Auto-maps SIP to income growth
% p.a.
₹
One-time initial investment
% p.a.
Fund management cost (Direct ~0.5%, Regular ~1.5%)
Frequently Asked Questions
What is goal-based SIP calculation?
Goal-based SIP calculates the required monthly investment to reach a target corpus. Formula: P = FV × r / ((1+r)^n − 1) / (1+r), where FV = target amount, r = monthly return rate, n = total months. With step-up SIP, a binary search converges on the starting SIP amount. The inflation-adjusted goal value also accounts for purchasing power erosion.
How does Monte Carlo simulation work?
The simulation runs 1,000 randomised annual return scenarios using a normal distribution with your expected return as the mean and historical equity volatility (~15% standard deviation for Indian equity markets). Results are sorted and the 10th, 25th, 50th, 75th and 90th percentile outcomes are shown. This reveals the realistic range of possible outcomes rather than a single optimistic projection.
How is tax impact calculated?
For equity/ELSS funds: LTCG above ₹1 lakh is taxed at 10%. For debt funds held post-2023: gains are taxed at your applicable income tax slab rate. The calculator applies these rates to the estimated wealth gain portion to show the post-tax corpus. Note: actual tax depends on redemption timing and indexation benefits — consult a CA for precise planning.
What is expense ratio impact?
Expense ratio is the annual cost charged by a mutual fund (direct plans: ~0.5%, regular plans: ~1.5%). The calculator shows the difference in final corpus between your gross return and the net-of-expense return. Even a 1% expense ratio can reduce your 20-year corpus by 15–20%. Direct plans almost always deliver significantly better returns over long tenures.

About ToollLive Advanced SIP Investment Calculator

ToollLive's free SIP investment calculator is the most advanced SIP goal calculator available online. It supports 23 real-world features: goal-based SIP (reverse calculation), step-up SIP calculator with annual increment, salary growth mapping, Monte Carlo simulation for realistic projections, best/average/worst scenario analysis, inflation-adjusted real returns, SIP vs lump sum comparison, expense ratio impact, tax impact estimation for equity and debt funds, early exit simulation, SIP health score, actionable recommendations, goal visualisation and fund category suggestions. This mutual fund SIP calculator is built on real financial formulas — no fake database or rules. Also try our EMI Calculator, Compound Interest Calculator and PPF Calculator.