SIP Comparison Calculator
Compare up to three SIP scenarios side by side and see how monthly amount, return, and duration change the estimated future value.
Tax year 2026 - Updated June 2026
Scenario 1
Scenario 2
Scenario 3
Highest future value
₹50,45,760
Longer term has the highest estimated future value among the scenarios entered.
SIP scenario comparison chart
Compare future value and invested amount for each SIP scenario.
Future valueInvested amountFinal: ₹50,45,760
Scenario results
| Scenario | Monthly SIP | Return | Duration | Invested | Returns | Future value | Multiple |
|---|---|---|---|---|---|---|---|
| Base SIP | ₹10,000 | 12% | 10 years | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 | 1.94x |
| Higher SIP | ₹15,000 | 12% | 10 years | ₹18,00,000 | ₹16,85,086 | ₹34,85,086 | 1.94x |
| Longer term | ₹10,000 | 12% | 15 years | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 | 2.80x |
Formula used
- Each scenario uses the standard SIP future value formula.
- Monthly rate = expected annual return / 12 / 100.
- Invested amount = monthly SIP x duration in months.
- Future value = P x [((1 + r)^n - 1) / r] x (1 + r), where P is monthly SIP, r is monthly rate, and n is total months.
- Estimated returns = future value - invested amount.
- Actual returns can vary due to market volatility, taxes, expense ratios, missed installments, and exit loads.
Quick answers
SIP Comparison Calculator FAQs
What can I compare with the SIP Comparison Calculator?
You can compare SIP scenarios by monthly amount, expected return, duration, invested amount, estimated returns, and future value.
Can I compare three SIP plans together?
Yes. The calculator is designed for side-by-side scenario comparison so you can test different SIP amounts or durations.
Does higher SIP always mean better result?
A higher SIP can increase estimated corpus, but actual returns, risk, liquidity, and consistency also matter.
Does it include taxes or expense ratio?
No. It is a simplified estimate and does not include taxes, fund expense ratios, exit load, or market volatility.
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Assumptions
- Each scenario assumes fixed monthly SIP contributions.
- Expected annual return is compounded monthly.
- Results are estimates and do not include taxes, expense ratios, exit loads, missed installments, or market volatility.
- Actual mutual fund returns can be higher or lower than the estimate.
Disclaimer
The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.