Common questions
What return should I use for my SIP?
Large-cap mutual funds have historically returned 10–13% annually in India over 10+ year periods. Mid-cap funds tend to run 13–16%, but with more volatility. A conservative planning assumption is 10–11%; an optimistic one is 14–15%. Most people use 12% as a middle ground.
Does this account for inflation?
No — this shows your nominal return. To find the real (inflation-adjusted) value, use our
Inflation Calculator. Real returns typically run 4–7% after a 6% inflation assumption.
What's the formula used here?
FV = P × [(1 + r)ⁿ − 1] / r × (1 + r), where P is your monthly SIP, r is the monthly rate (annual ÷ 12), and n is total months. This is standard SIP future value compounding.
How do I track my actual SIP performance?
This calculator shows projected returns based on a constant assumed rate. Your real XIRR depends on when you invested and actual NAV movements. Worthly tracks your live mutual fund NAVs and shows your actual return —
try it free.
