Free Tool

SIP & Goal Calculator

See what a monthly SIP could grow to, or work backwards from a target corpus to the SIP it would take.

Runs entirely against a stateless calculation — nothing you enter here is stored.

Illustration only. Assumed returns and inflation are not guaranteed, and this is not investment advice.

This is one scenario under one assumed return. Mandala Personal tracks your real holdings and goals together, so you can see how your actual SIPs line up against each goal.

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FAQ

About SIP projections.

How is the SIP corpus calculated?
Each month's SIP is invested at the start of the month and grows at the expected annual return, compounded monthly. If you add a yearly step-up, the monthly SIP rises by that percentage at the start of each new year. The result is the estimated value at the end of the period. It is the same calculation used inside Mandala.
What does a yearly step-up do?
A step-up raises your monthly SIP by a fixed percentage every year, for example 10%, so the amount you invest grows with your income. Over long periods this can add a meaningful amount to the final corpus compared with a flat SIP. The calculator shows both numbers side by side.
Is the expected return guaranteed?
No. The return is an assumption you enter. Actual market returns vary year to year and can be lower or negative. Treat the result as an illustration of how time, amount and step-up interact, not as a forecast or advice.
What is the 'I Have a Goal' mode?
You enter a target corpus, a period, an assumed return and an optional step-up, and the calculator works out the starting monthly SIP that would reach it under those assumptions.
Are taxes, fund expenses and inflation included?
No. The figures are before tax, before fund expenses and in future rupees, not today's money. Use the free inflation calculator to see what a future amount is worth in today's terms.
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