HDFC SIP calculator
Project any monthly SIP below. This is an independent tool and shows no fund performance data — the return rate is your assumption, not a claim. Below, the thing worth knowing before you trust any projection: how to find what a fund actually returned, and why that still does not tell you what it will do.
Your SIP
What leaves your bank account every month. Type any amount — the slider is just a shortcut.
An assumption, not a promise. Equity funds are usually modelled at 10–12%; see what rate to assume.
Set 0 to switch the "today’s money" column off. India’s CPI has averaged close to 6% over the past decade; the RBI targets 4% with a 2-point band.
What it projects to
What you investWhat compounding addsValue in today’s money
| Year | Monthly | Invested so far | Returns | Value at year end | In today’s money |
|---|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹4,047 | ₹64,047 | ₹60,421 |
| 2 | ₹5,000 | ₹1,20,000 | ₹16,216 | ₹1,36,216 | ₹1,21,232 |
| 3 | ₹5,000 | ₹1,80,000 | ₹37,538 | ₹2,17,538 | ₹1,82,649 |
| 4 | ₹5,000 | ₹2,40,000 | ₹69,174 | ₹3,09,174 | ₹2,44,895 |
| 5 | ₹5,000 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 | ₹3,08,193 |
| 6 | ₹5,000 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 | ₹3,72,773 |
| 7 | ₹5,000 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 | ₹4,38,868 |
| 8 | ₹5,000 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 | ₹5,06,719 |
| 9 | ₹5,000 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 | ₹5,76,573 |
| 10 | ₹5,000 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 | ₹6,48,685 |
| 11 | ₹5,000 | ₹6,60,000 | ₹7,13,074 | ₹13,73,074 | ₹7,23,318 |
| 12 | ₹5,000 | ₹7,20,000 | ₹8,91,261 | ₹16,11,261 | ₹8,00,747 |
| 13 | ₹5,000 | ₹7,80,000 | ₹10,99,656 | ₹18,79,656 | ₹8,81,256 |
| 14 | ₹5,000 | ₹8,40,000 | ₹13,42,090 | ₹21,82,090 | ₹9,65,140 |
| 15 | ₹5,000 | ₹9,00,000 | ₹16,22,880 | ₹25,22,880 | ₹10,52,710 |
Past returns: how to find them, and how much to trust them
People arrive at a calculator with a rate in mind, usually taken from a fund's recent trailing returns. That is a reasonable starting point and a poor forecast, for three specific reasons.
Trailing returns depend heavily on the end date. A fund's "3-year return" measured after a strong quarter looks materially better than the same fund measured three months earlier. Nothing about the fund changed.
Category leadership rotates. Whichever category tops the tables over three years has usually just had its favourable conditions. Small-cap leads, then lags. Mean reversion in fund rankings is well documented, and buying the top of the table is close to a systematic way of buying high.
Rolling returns are more honest than trailing returns. A trailing figure is one window; a rolling-return chart shows the distribution across every possible start date. If a fund's five-year rolling returns range from 4% to 19%, that spread is the real information — not the single number in the advertisement.
Which is why this calculator does not pre-fill any fund's return. Use a category convention — see what rate to assume — and test it three points lower.
The two-run test
Run every plan twice: once at your assumption, once three points lower. ₹10,000 a month for 15 years gives ₹50,45,760 at 12% and ₹38,12,438 at 9% — a 24% difference from an assumption change you cannot control.
If the goal survives the lower figure, you have a plan with margin. If it only works at the higher one, you have a forecast you are depending on. That distinction takes thirty seconds to check and is the most useful habit on this whole site.
Checking the real figures
Where to find a fund’s real numbers
This page cannot tell you what any fund returned, and you should be wary of any calculator that claims to. For actual figures, go to the primary sources:
- AMFI NAV history — daily NAVs for every Indian scheme, from the industry body.
- The scheme's own factsheet and Scheme Information Document, on the fund house's site. This is where the mandate, the expense ratio and the benchmark are stated.
- Your own statement, which quotes XIRR for SIP holdings — the only figure that reflects what you actually earned. Check it against the XIRR calculator.
Before you rely on this
An estimate, not a forecast
This is arithmetic applied to assumptions you chose. Mutual funds carry market risk, returns are not guaranteed, and past performance does not indicate future results. Nothing here is personalised advice — for decisions of any size, speak to a SEBI-registered investment adviser.
Questions people actually ask
What return rate should I enter?
A category convention rather than a specific fund's recent numbers: 10–12% for diversified equity over long horizons, 6–7% for debt, 8–10% for hybrid. Then test three points lower.
Full breakdown in what rate to assume.
Why does this calculator not show fund returns?
Because showing them would imply a forecast this site is not able to make, and because any figure we hardcoded would be stale within weeks.
Live NAVs and returns belong with their primary sources — AMFI and the scheme factsheet — which are linked above.
Is this the official HDFC Mutual Fund calculator?
No. This is an independent calculator, not operated by or affiliated with HDFC Mutual Fund. It applies the standard SIP formula to the assumptions you enter and shows no fund data of any kind.
For anything account-specific — your folio, a transaction, a statement — go to HDFC Mutual Fund directly or to your platform. For the formula this page uses, see the methodology page.