Nowadays, our young generation is considering long-term financial planning with high returns. Please use Market Boons’ SIP Calculator to plan investments of up to 40 years with expected returns of up to 40%. Get instant results, compare scenarios, and make smart financial decisions.
What Is a SIP Calculator & How it helps ?
A SIP (Systematic Investment Plan) calculator helps you to estimate how much wealth you can create by investing a fixed amount regularly in mutual funds.
Unlike other SIP Calculators that only go up to 20-25 years and 12-15% returns, our SIP Calculator allows you to calculate for up to 40 years and 40% return assumptions. So that you can plan for your Child’s future & retirement, this makes Market Boons’ SIP Calculator ideal for long-term wealth creators and aggressive investors.
How to Use Market Boons SIP Calculator
- Enter your monthly SIP amount or Lumpsum/Onetime amount (e.g., ₹5,000).
- Enter/Select your investment duration (up to 40 years).
- Enter/Select the expected annual return (0% – 40%).
- Click on Calculate.
The tool will instantly show:
- The total value of your investment
- Invested Amount
- estimated return
- Graph showing compounding growth.
Why 40-Year & 40% Options Matter
Most SIP calculators are limited. Market Boons’ SIP calculator stands out because:
- It gives flexibility to project ultra-long-term investments and plan for your child’s future and retirement or any other long term goals.
- It allows you to test high-growth scenarios (up to 40%) for aggressive equity strategies.
- This helps you understand the power of compounding in different situations.
Things to Keep in Mind Before Using a SIP Calculator
- Factor in Inflation (Our Calculator Has This Option!)
Many SIP Calculators ignore inflation, but ours has an advanced option to add inflation. This gives you a more realistic picture of your future wealth with inflation adjustment.
👉 Example: If you invest ₹10,000/month for 20 years at 12%, the maturity looks like ₹99 lakh. But if you add 6% inflation, the real value is only about ₹31–32 lakh in today’s money. That’s why adjusting for inflation is so important. - Be Realistic with Returns
Historically, Indian equity markets have delivered 10–12% average annual returns. Our calculator allows up to 40% returns for scenario testing, but such high numbers are only for modeling aggressive cases. - Don’t Forget Costs & Taxes
Mutual funds charge expense ratios (0.5–2%) and there can be taxes on capital gains. These reduce your final wealth. For example, a 12% gross return might become 10.5–11% net after expenses and taxes. - Stay Consistent & Disciplined
SIPs work best when you invest regularly without worrying about short-term ups and downs. Even if markets fall, your ₹5,000/month SIP keeps buying more units, which grows into a big amount over time.
Tips to Maximize Your SIP Benefits
- Step-up SIPs → Increase your SIP amount every year with your income growth, suppose you are a salaried person and you got the increment, so you can increase your SIP amount accordingly.
- Review yearly → Check fund performance at least in every 6–12 months, try to check every month if possible.
- Stay invested long-term → Compounding works best if you are being invested for long-term. The longer time you are giving to your investment the better return you will get.
- Diversify → Don’t rely on one scheme; spread your investment in different types of mutual funds or investment securities across Equity, Debt and hybrid.
Why Market Boons SIP Calculator Is Different
✅ Extended duration (up to 40 years) for long-term vision.
✅ Higher return assumptions (up to 40%) for aggressive portfolio modeling.
✅ Clean & fast interface – no unnecessary ads or distractions.
✅ Graphical results – easy-to-understand charts for better decisions.
✅ One-Time / Lumpsum Calculator – Not just SIP! You can also calculate how a Onetime investment grows over years at different return rates. Example: ₹1,00,000 lump sum at 12% for 15 years → about ₹5.5 lakh.
✅ Advanced SIP with Inflation Adjustment – Unlike most calculators, ours lets you add inflation so you see the real value of your money in today’s terms. Example: ₹10,000/month for 20 years at 12% return looks like ₹99 lakh, but with 6% inflation it’s worth only about ₹32 lakh in today’s money.
🌱 Plan Today, Prosper Tomorrow
The Market Boons SIP Calculator is designed with you in mind. Whether you’re starting small with just ₹500 a month or investing ₹50,000+, this tool gives you a clear picture of how your money grows over time.
💡 The best part? You can explore different scenarios — long-term SIPs, lumpsum investments, and even inflation-adjusted results — all in one place. That means you’re not just guessing; you’re actually seeing the future value of your money before you invest.
👉 Remember: Wealth is not built overnight. It’s built step by step, month by month, year by year. SIPs make this journey simple, and our calculator makes it crystal clear.
So, go ahead — try the calculator above, play with the numbers, and start shaping your financial future today. 👍
Explore All the Mutual Fund AMCs
If you want to explore mutual funds in more detail, we’ve created a dedicated page with direct links to all major Mutual Fund AMC (Asset Management Company) websites in India.
👉 This makes it easy for you to directly visit any AMC, check their official schemes, NAVs, fact sheets, and other details https://marketboons.com/asset-management-company-amc/
This way, you don’t have to search every time — all official AMC links are in one place for your convenience.
The Association of Mutual Funds in India (AMFI) is the official body representing all mutual fund houses in India. It provides reliable information about mutual fund schemes, performance data, and investor guidance. You can visit the official website to explore morehttps://www.amfiindia.com/