India SIP / mutual fund calculator

The future-value formula assumes a constant monthly rate: FV = P × ((1+i)^n − 1) / i × (1+i), plus an optional lumpsum compounded monthly. Markets do not do that in a straight line.

FlashKit is not a SEBI-registered investment advisor. Expense ratios, exit loads, tax (LTCG/STCG), and ELSS lock-ins are not deducted. Past or assumed returns do not predict future results.

How to Use

  1. Enter the monthly SIP amount in rupees.
  2. Pick an assumed annual return (many illustrations use 10–12%; that is not a promise).
  3. Set years. Add a lumpsum if you are mixing one-time and SIP.
  4. Read invested vs estimated corpus and the year-wise table. Treat it as a what-if, not a target.

Key Features

  • Standard SIP future-value math
  • Optional lumpsum on day one
  • Year-wise invested vs value table
  • Explicit “not financial advice” notice

Frequently Asked Questions

Can I rely on this to pick a fund?

No. It does not use NAV history, risk, or your goals. Talk to a registered advisor if the amount is material.

Are returns guaranteed?

No. Equity SIPs can be negative over short windows. The slider is an assumption you typed.

Is tax included?

No. Debt and equity funds are taxed differently. Confirm current slabs.

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