# SIP calculator

> What a monthly SIP could grow to, with an optional yearly step-up.

The result assumes the same return every year, which no fund delivers; treat it as a guide, not a promise. Mutual fund returns are not guaranteed.

## What return should I assume?

Many planners use 10 to 12% for equity funds over long periods and 6 to 7% for debt funds. Check a fund's actual history with the mutual fund NAV tool.

Developers: this page runs on GET /v1/calc/sip. Documentation: https://api.dharun.dev/docs/calculators.md