How is SIP return calculated?

SIP return is calculated using the formula: M = P × [{(1 + i)^n - 1} / i] × (1 + i), where P is monthly investment, i is monthly interest rate (annual rate / 12), and n is number of months. Our SIP calculator also supports annual step-up to model increasing investments.

What is XIRR in mutual funds?

XIRR (Extended Internal Rate of Return) calculates the annualised return when cash flows happen at irregular intervals — like in SIPs or lump sum investments made at different dates. It is more accurate than simple CAGR for SIP investments.

What is SWP in mutual funds?

SWP or Systematic Withdrawal Plan allows you to withdraw a fixed amount from your mutual fund investment every month. Our SWP calculator shows how long your corpus will last and how much you will receive in total.

What is the current PPF interest rate?

The current PPF (Public Provident Fund) interest rate is 7.1% per annum, compounded annually. The minimum deposit is ₹500 and maximum is ₹1.5 lakh per year with a 15-year lock-in period.

How to calculate Home Loan EMI?

Home Loan EMI is calculated using the formula: EMI = P × r × (1+r)^n / [(1+r)^n - 1], where P is principal loan amount, r is monthly interest rate, and n is total number of months. Our home loan EMI calculator also shows the full amortization schedule.

Free SIP Calculator India 2026 | SWP, PPF, FD, RD, Home Loan EMI & XIRR

SIPKaro ✕

✍️ Blog & Guides NEW

Equity / Mutual Funds

📈 SIP Calculator

💰 Lumpsum

🔄 SWP

📐 XIRR

Loans

🏠 Home Loan / EMI

Fixed Returns

🏦 Fixed Deposit

📅 Recurring Deposit

🛡️ PPF

🔥 Retirement

🔥 FIRE Calculator

🌤️ Semi-FIRE

🆕 Smart Tools

🎯 Goal Planner

🧾 Tax on Returns

⚖️ SIP vs Lumpsum

📊 Step-up vs Flat

🏛️ NPS Calculator

💳 Loan Prepayment

🏡 EMI Affordability

Total Invested

—

Est. Returns

—

Total Value

—

Monthly SIP

₹500₹2L

Duration

1 Yr40 Yrs

Annual Return

1%30%

Annual Step-up

0%50%

Allocation

—

Returns

Invested

—

Returns

—

Growth Projection

Invested

Returns

Total

Year-by-Year

Year	Invested	Est. Returns	Total Value	Gain %

Invested

—

Est. Returns

—

Total Value

—

Investment Amount

₹1K₹1Cr

Duration

1 Yr40 Yrs

Annual Return

1%30%

Allocation

—

Returns

Invested

—

Returns

—

Growth Projection

Invested

Total Value

Year-by-Year

Year	Invested	Total Value	Gain	Gain %

Initial Corpus

—

Total Withdrawn

—

Remaining Corpus

—

Years Corpus Lasts

—

Initial Corpus

₹1L₹10Cr

Monthly Withdrawal

₹1K₹5L

Annual Return

1%20%

Duration (Years)

1 Yr40 Yrs

Allocation

—

Withdrawn

Total Withdrawn

—

Remaining

—

Corpus Depletion Over Time

Remaining Corpus

Cumulative Withdrawn

Year-by-Year

Year	Opening	Withdrawn	Earnings	Closing

Cash Flows

XIRR computes your annualised return across irregular investment timelines — ideal for SIPs, FDs, or any portfolio with uneven contributions. Outflows (investments) = negative. Inflows (redemptions) = positive.

DateAmount (₹)

💡 Negative = Investment outflow | Positive = Redemption inflow

Quick Fill — SIP Simulator

Auto-generate monthly SIP cash flows

Monthly Amount

₹500₹1L

Months

3120

Redemption Value

₹1K₹1Cr

Start Date

Annualised XIRR

—

Total Invested

—

Total Received

—

Absolute Return

—

Monthly EMI

—

Loan

Loan Amount

₹1L₹10Cr

Annual Interest Rate

5%20%

Loan Tenure

1 Yr30 Yrs

Breakup

—

Interest

Principal

—

Total Interest

—

Total Payment

—

Principal vs Interest Over Time

Principal Paid

Interest Paid

Balance

Amortization Schedule (Yearly)

Year	EMI Paid	Principal	Interest	Balance

Principal

—

Interest Earned

—

Maturity Value

—

Principal Amount

₹1K₹1Cr

Annual Interest Rate

1%15%

Tenure

1 Yr10 Yrs

Compounding

AnnualQuarterly

Breakup

—

Returns

Principal

—

Interest

—

FD Growth

Principal

Maturity Value

Year-by-Year

Year	Principal	Interest Earned	Total Value	Gain %

Total Deposited

—

Interest Earned

—

Maturity Value

—

Monthly Deposit

₹100₹1L

Annual Interest Rate

1%15%

Tenure

1 Yr10 Yrs

Breakup

—

Returns

Deposited

—

Interest

—

RD Growth

Deposited

Maturity Value

Month-by-Month (Year End)

Year	Deposited	Interest	Total Value	Gain %

Total Invested

—

Total Interest

—

Maturity Value

—

Effective Rate

—

PPF

Annual Deposit

₹500₹1.5L (max)

PPF Interest Rate

6%12%

Tenure

15 Yrs50 Yrs

🛡️ PPF interest is compounded annually. Deposits made before 5th of each month earn interest for that month. Min ₹500, Max ₹1.5L/year. Lock-in: 15 years (extendable in 5-yr blocks).

Breakup

—

Returns

Invested

—

Interest

—

PPF Corpus Growth

Invested

Interest

Total Value

Year-by-Year (PPF Statement)

Year	Deposit	Interest	Balance	Cum. Invested

🔥 FIRE Calculator — Financial Independence, Retire Early

Find your FIRE number — the corpus needed to retire and never work again. Based on the 4% safe withdrawal rate rule used by the global FIRE movement.

FIRE Number

—

25× annual expenses

Monthly SIP Needed

—

to reach FIRE

Years to FIRE

—

from today

Retirement Age

—

target retirement

Your FIRE Inputs

Current Age

1860

Monthly Expenses (today)

₹10K₹5L

Inflation Rate

2%12%

Expected Investment Return

4%20%

Current Savings / Portfolio

₹0₹5Cr

Safe Withdrawal Rate

2% (Conservative)6% (Aggressive)

FIRE Status

Current Savings0%

₹0FIRE Number

Annual Expenses at Retirement

—

Post-Retirement Return

—

Monthly Withdrawal

—

Corpus lasts until age

—

Corpus Growth to FIRE & Beyond

Savings

FIRE Target

Post-FIRE

FIRE Roadmap — Year by Year

Age	Annual Exp	FIRE Number	Corpus	Gap

🌤️ Semi-FIRE — Work Less, Live More

Semi-FIRE means your investments cover part of your expenses while you work part-time. Find your ideal balance and the corpus needed to reduce work income.

Semi-FIRE Corpus

—

needed to semi-retire

Passive Income

—

/month from corpus

Work Income Needed

—

/month part-time

Years to Semi-FIRE

—

from today

Semi-FIRE Inputs

Current Age

1860

Monthly Expenses

₹10K₹5L

Passive Income Coverage

10% (Lite)90% (Near-FIRE)

Investment Return

4%20%

Inflation Rate

2%10%

Current Savings

₹0₹5Cr

Monthly Savings Now

₹5K₹3L

Income Split at Semi-FIRE

Semi-FIRE Balance

💹 Passive Income

—

—% of expenses

💼 Work Income

—

—% of expenses

Work IncomePassive Income

Full FIRE Number

—

Semi-FIRE % of Full

—

Path to Semi-FIRE

Corpus

Semi-FIRE

Full FIRE

Semi-FIRE Roadmap

Age	Corpus	Passive/mo	Work/mo	Status

Your Goal

Target Amount

₹1L₹10Cr

Time to Goal

1 Yr40 Yrs

Expected Return

4%25%

Existing Savings

₹0₹1Cr

Annual Step-up

0%30%

Monthly SIP Required

—

Total Invested

—

Est. Returns

—

First Year SIP

—

Last Year SIP

—

Corpus Growth to Goal

Invested

Value

Goal

Investment Details

Investment Type

Invested Amount

₹10K₹1Cr

Maturity / Sale Value

₹10K₹1.5Cr

Income Tax Slab

Tax Rules Applied

Gross Gain

—

Taxable Gain

—

Tax Payable

—

Post-Tax Gain

—

Effective Tax Rate

—

Post-Tax Return

—

Pre-Tax vs Post-Tax Comparison

Same Investment, Two Strategies

Total Amount to Invest

₹1.2L₹1.2Cr

Duration

1 Yr30 Yrs

Annual Return (both)

4%25%

Winner

SIP Final Value

—

Lumpsum Final Value

—

SIP Monthly

—

Difference

—

Growth Over Time

SIP

Lumpsum

Starting Monthly SIP

₹500₹1L

Annual Step-up Rate

1%50%

Duration

1 Yr40 Yrs

Expected Return

4%25%

Extra Wealth from Step-up

—

Flat SIP Value

—

Step-up Value

—

Flat vs Step-up Growth

Flat SIP

Step-up SIP

Total Corpus

—

Lumpsum (60%)

—

Monthly Pension

—

Tax Saved (80CCD)

—

NPS

Current Age

1860

Monthly Contribution

₹500₹1L

Expected Return

6%14%

Annuity Rate (pension)

4%9%

Income Tax Slab

Asset Allocation (Tier I)

LC-75
Aggressive

LC-50
Moderate

LC-25
Conservative

Equity 75%

Corp Bonds 10%

Govt Bonds 15%

🛡️ Tax deduction up to ₹2L/yr under 80CCD(1) + ₹50K extra under 80CCD(1B). 60% corpus tax-free at 60. Minimum annuity 40%.

NPS Corpus Growth

Invested

Corpus

Year-by-Year

Age	Invested	Corpus	Lumpsum	Pension/mo

Total Interest Saved

—

Loan Details

Outstanding Principal

₹1L₹10Cr

Interest Rate

5%20%

Remaining Tenure

1 Yr30 Yrs

One-time Prepayment

₹10K₹50L

Monthly Extra Payment

₹0₹1L/mo

Loan Balance Comparison

Without Prepay

With Prepay

Original Interest

—

New Interest

—

Tenure Reduced by

—

New Tenure

—

Your Financial Profile

Monthly Take-Home Salary

₹20K₹10L

Existing EMIs / Month

₹0₹2L

Monthly Expenses

₹5K₹5L

Home Loan Interest Rate

5%15%

Loan Tenure

5 Yrs30 Yrs

FOIR Limit

30% (Conservative)65% (Aggressive)

Max Affordable Loan

—

Debt-to-Income (FOIR)0%

Max EMI Allowed

—

Available for EMI

—

Monthly Surplus

—

EMI on Max Loan

—

Income Breakdown

Free SIP Calculator India 2026 — All Investment Calculators in One Place

📈 SIP Calculator

🔄 SWP Calculator

📐 XIRR Calculator

🏠 Home Loan EMI Calculator

🏦 FD Calculator

📅 RD Calculator

🛡️ PPF Calculator

💰 Lumpsum Calculator

Frequently Asked Questions