Instant slider-based calculators built for small cap mutual fund investors in India. SIP, lumpsum, tax, XIRR and more — all free, works on mobile.
Calculate how your monthly SIP in a small cap mutual fund grows over time. Move the sliders and results update instantly.
A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your monthly mutual fund investments. You enter how much you invest each month, for how many years, and at what expected annual return — and the calculator shows your total corpus at maturity. For small cap mutual funds, which have historically delivered 18–22% CAGR over 10-year periods, a SIP calculator is the essential starting point for wealth planning. The real power of a SIP calculator is showing you the effect of time — starting just 3 years earlier can add lakhs to your final corpus. Always plan for a minimum 7–10 year horizon when investing in small cap funds through SIP, as short-term returns can be deeply negative during market corrections.
Calculate the future value of a one-time lump sum investment in a small cap mutual fund. See how a single investment compounds over long periods.
A lump sum calculator shows how a one-time investment grows when compounded over years at a given rate of return. Unlike SIP where you invest monthly, lump sum investing means deploying your entire capital on day one — so the full amount earns returns from the very start. Mathematically, lump sum outperforms SIP when returns are steady. However, in volatile categories like small cap mutual funds, the timing of a lump sum entry is critical — investing at a market peak can mean sitting on losses for 1–2 years. For large amounts, a Systematic Transfer Plan (STP) from a liquid fund into a small cap fund over 6–12 months is a smarter approach that balances the benefits of lump sum with the timing protection of SIP.
Increase your monthly SIP by a fixed percentage every year as your income grows. See the dramatic difference a small annual step-up makes.
A step-up SIP (also called a top-up SIP) calculator shows how your wealth grows when you increase your monthly SIP by a fixed percentage every year, instead of keeping it flat. Most salaried professionals get annual salary increments of 8–12%. Committing even half that increment to your SIP creates dramatically larger long-term wealth — a ₹5,000 SIP with a 10% annual step-up builds nearly twice the corpus of a flat ₹5,000 SIP over 15 years. The step-up SIP calculator lets you see exactly how much extra wealth you create versus staying flat. Most fund houses and platforms like Kuvera and MF Central support automatic step-up mandates — you set the percentage once and the increase happens automatically every year without any manual effort.
How much SIP do you need to reach your financial goal? Enter your target corpus and timeline — we reverse-calculate the exact monthly SIP required.
A goal-based SIP planner works in reverse — instead of showing how much your SIP will grow to, it tells you the exact monthly SIP you need to start today to reach a specific financial target. Whether your goal is funding a child's education, a home down payment or building a retirement corpus, this calculator gives you a concrete number to act on immediately. The key insight is starting early: beginning 15 years before your goal versus 10 years can cut the required monthly SIP by more than half. For goals that are critical and non-negotiable — like a child's college admission or a retirement date — always use a conservative return assumption of 12–14%, not the optimistic 18–22%, to ensure you're not left short if markets underperform in your specific window.
XIRR is the most accurate measure of your actual SIP returns. Enter your monthly SIP, duration and current value to find your true annualised return.
XIRR (Extended Internal Rate of Return) is the correct way to measure returns on SIP investments where money is invested at different points in time. CAGR (Compound Annual Growth Rate) works accurately only for lumpsum investments — it assumes a single investment made at one point in time. For SIPs where you invest monthly, CAGR gives a misleading picture. XIRR accounts for the timing of every instalment and calculates your true annualised return on actual cash flows. Your mutual fund statement, Kuvera dashboard and MF Central all show your portfolio XIRR — always use this number when evaluating how your small cap fund is really performing. A healthy XIRR for a small cap fund over 7–10 years typically falls between 15–22%; anything below 10% over 7+ years warrants a fund review.
Compare the same total money invested as monthly SIP versus a one-time lump sum. See which approach builds more wealth over your time horizon.
The SIP versus lump sum debate is one of the most searched topics among Indian mutual fund investors. Mathematically, lump sum always wins when returns are assumed steady — because your full capital compounds from day one. However, small cap mutual funds are among the most volatile investment categories in India, with swings of 40–60% during market corrections. Investing a lump sum at the wrong time — during a market peak — can leave you nursing losses for 2–3 years. SIP protects you from this through rupee cost averaging, automatically buying more units when markets are lower. For most retail investors with a monthly salary, SIP is the more practical and psychologically easier route. If you do have a lump sum available after a significant market correction of 25% or more, a staggered deployment via STP is the wisest approach.
₹50 lakh in 2035 won't buy what ₹50 lakh buys today. See the real purchasing power of your future corpus after accounting for inflation.
Most investors focus on the nominal return — the headline number before accounting for inflation. But the only return that actually matters is the real return: how much more purchasing power your money has in the future compared to today. At India's average inflation rate of 5–7% per year, a corpus of ₹1 crore accumulated over 20 years has the purchasing power of roughly ₹30–35 lakh in today's money. This is why asset allocation matters so much. Fixed deposits at 7% barely keep pace with inflation, giving you a real return of near zero. Small cap mutual funds, with their historical 18–22% nominal CAGR over long periods, deliver a real return of 11–15% per year — genuinely building wealth in terms of purchasing power, not just numbers on paper.
Small cap funds can fall 40–60% in a crash. See how long recovery takes — and why the gain needed to bounce back is always larger than the fall.
A drawdown is the percentage fall in a portfolio's value from its peak to its lowest point during a market correction. Small cap mutual funds are particularly prone to deep drawdowns — the 2008 crisis saw Indian small cap funds fall 65%, the 2020 COVID crash caused a 40% decline, and the 2022 correction brought a 25–28% fall. The critical concept that most investors underestimate is the asymmetry of losses: a 40% fall requires a 67% gain just to break even, and a 50% fall requires a 100% gain to recover. This asymmetry is why avoiding panic selling during crashes is so important — investors who exited during the 2020 COVID crash missed the subsequent 120%+ recovery over the next 18 months. Continuing your SIP through a drawdown is the single most powerful action a small cap investor can take — those low-priced units accumulated during the fall compound massively on the way back up.