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Calculators

Brokerage calculatorEvery charge and your net P&L for delivery, intraday, F&O and MCX.Position size calculatorHow many shares to buy so one trade risks a fixed share of capital.Risk-reward calculatorRisk-reward ratio and the win rate you need to break even.P&L target calculatorThe exit price that leaves your target profit after charges.Compounding & CAGR calculatorGrowth of capital over time, and CAGR from start and end values.Margin & leverage calculatorMargin blocked, leverage, and what a move against you costs.SIP calculatorMonthly SIP, lumpsum and goal-based projections with step-up.

Charges guides

Trading charges in India explainedEvery line on a contract note and how it is calculated.How brokerage is calculatedFlat, percentage and capped plans with worked examples.STT charges and rates (2026)Securities transaction tax for delivery, intraday, futures and options.GST on trading chargesWhat the 18% applies to, and what it does not.DP charges explainedWhat DP charges are, broker rates and a DP charge calculator.F&O charges per lotFutures and options charges with Nifty and Bank Nifty examples.

Comparisons & strategy

MCX commodity chargesCTT, MCX fees, stamp duty and GST with a crude oil example.Intraday vs delivery chargesWhy the same trade costs differently in each segment.Zerodha vs Groww vs Upstox vs Angel OneBrokerage, DP charges and AMC compared for 2026.How to calculate position sizeRisk-based sizing step by step, with examples.Risk-reward ratio explainedReading the ratio together with your win rate.
Education and estimation only. TradeProfy is not a SEBI-registered adviser and does not recommend buying or selling any security.

SIP calculator

Project a monthly SIP or a lumpsum, add an annual step-up, or work out the SIP needed for a goal.

Mantu KumarBy Reviewed 25 October 2026How we check rates
SIP calculatorMutual fund projection
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How the SIP calculator works

A systematic investment plan (SIP) invests a fixed amount in a mutual fund every month. The calculator assumes each instalment is invested at the start of the month and grows at the expected annual return, compounded monthly. This is the same method most Indian fund houses and brokers use for SIP projections.

Future value = P × [((1 + i)n − 1) ÷ i] × (1 + i)
where P = monthly amount, i = annual return ÷ 12, n = number of months

Worked example

₹5,000 a month for 10 years at 12% a year means 120 instalments totalling ₹6,00,000. The projected value is about ₹11,61,695, so roughly ₹5,61,695 comes from growth. Extend the same SIP to 20 years and the projected value rises to about ₹49,95,740 on ₹12,00,000 invested: time does most of the work.

Step-up SIP

A step-up SIP raises the monthly amount once a year, usually in line with income. With a 10% annual step-up, the same ₹5,000 SIP over 10 years invests about ₹9,56,245 and is projected to reach about ₹16,87,163, compared with ₹11,61,695 for the flat SIP.

Lumpsum and goal modes

  • Lumpsum projects a one-time investment compounded yearly: ₹1,00,000 at 12% for 10 years becomes about ₹3,10,585.
  • Goal → SIP works backwards from a target. To reach ₹1 crore in 15 years at 12% a year, you would need about ₹19,819 a month.

Choosing an expected return

Mutual fund returns are market-linked and not guaranteed. Equity funds have delivered very different returns over different periods, and past returns do not predict future ones. Try a range (for example 8%, 10% and 12%) instead of a single number, and remember that expense ratios and taxes reduce the final amount.

SIP vs trading

A SIP is a long-term investing habit, while trading involves short holding periods and pays charges on every round trip. The brokerage calculator shows how quickly charges add up on frequent trades.

Frequently asked questions

How is SIP return calculated?

Each monthly instalment grows at the expected annual return divided by 12, compounded monthly, from the month it is invested. The calculator adds up the value of every instalment at the end of the period.

What will ₹5,000 a month become in 10 years?

At an assumed 12% a year, ₹5,000 a month for 10 years (₹6 lakh invested) is projected to grow to about ₹11.6 lakh. Actual returns may be higher or lower.

What is a step-up SIP?

A step-up or top-up SIP increases the monthly amount by a fixed percentage every year. It helps the investment keep pace with rising income.

How much SIP do I need for ₹1 crore?

At an assumed 12% a year, about ₹19,800 a month for 15 years, or about ₹10,000 a month for 20 years. Use the Goal → SIP mode for your own numbers.

Are SIP returns guaranteed?

No. Mutual fund investments are subject to market risk. The calculator shows projections based on the return you enter.

Related guides

Risk-reward ratio explainedReading the ratio together with your win rate.

Other calculators

All calculators

Brokerage calculatorEvery charge and your net P&L for delivery, intraday, F&O and MCX.Position size calculatorHow many shares to buy so one trade risks a fixed share of capital.Risk-reward calculatorRisk-reward ratio and the win rate you need to break even.P&L target calculatorThe exit price that leaves your target profit after charges.Compounding & CAGR calculatorGrowth of capital over time, and CAGR from start and end values.Margin & leverage calculatorMargin blocked, leverage, and what a move against you costs.
Mantu Kumar, founder of TradeProfy

Written and maintained by Mantu Kumar

Mantu builds TradeProfy’s calculators and checks every statutory rate against exchange circulars, broker rate cards and the Finance Act. He is not a SEBI-registered adviser, so TradeProfy explains costs and maths but never tells you what to trade.

Read Mantu’s profile