Mutual fund calculators.
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SIP calculator
What a monthly SIP grows to.
How it is worked out. Each instalment is invested at the start of the month and compounds monthly at the annual return divided by 12. Maturity = P × [((1 + i)n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i the monthly rate and n the number of months. ₹5,000 a month for 10 years at 12% comes to ₹11,61,695.
Step-up SIP calculator
A SIP that rises every year.
How it is worked out. The SIP starts at the amount you enter and rises by the step-up percentage every 12 months. Each instalment compounds monthly from the day it goes in, so the result is the sum of every instalment's growth to the end date.
Lumpsum calculator
What a one-time investment grows to.
How it is worked out. A single amount compounds once a year at the return you enter. Future value = P × (1 + r)t, where r is the annual return and t the number of years.
SWP calculator
A monthly payout from a corpus.
How it is worked out. The corpus earns the annual return divided by 12 each month, and the withdrawal comes out at the end of the month. If the withdrawal is more than the corpus earns, the corpus runs down, and the result shows the month it runs out.
Goal SIP calculator
The monthly SIP a goal needs.
How it is worked out. The goal's cost today is first grown by inflation to the year you need it. The monthly SIP is then the instalment that reaches that amount at the return you enter, using the same monthly compounding as the SIP calculator.
SIP delay cost calculator
What waiting to start costs.
How it is worked out. Both SIPs end on the same date. One starts today, the other after the delay, so it gets fewer instalments and less time to compound. The cost of waiting is the difference between the two final values.
Trail income calculator
What your book pays you, today and later.
How it is worked out. Monthly trail is your AUM × your average trail rate ÷ 12. Each month the AUM grows at the market return you enter and your net SIP book is added, so the trail grows with it. Your blended trail rate is on your commission statement.
The full set lives inside Rabbit.
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Questions
How is the SIP maturity amount calculated?
Each instalment compounds monthly from the day it is invested. With a monthly instalment P, a monthly rate i (the annual return divided by 12) and n months, the maturity value is P × [((1 + i)n − 1) ÷ i] × (1 + i). ₹5,000 a month for 10 years at 12% comes to ₹11,61,695.
What is a step-up SIP?
A step-up SIP raises the monthly instalment by a fixed percentage once a year, usually in line with a salary increase. Because the larger instalments also compound, a small yearly step-up adds a large amount to the final value.
How long will my SWP last?
It depends on the corpus, the monthly withdrawal and the return the remaining money earns. If the withdrawal is lower than what the corpus earns each month, the corpus keeps growing. If it is higher, the corpus runs down, and the SWP calculator shows the month it runs out.
What does it cost to delay a SIP?
Starting later means fewer instalments and less time to compound, even when the end date stays the same. The SIP delay calculator compares starting today with starting after a delay and shows the difference in the final value.
How is a distributor's trail income worked out?
Trail commission is paid as a yearly percentage of the assets under management, credited monthly. Monthly trail is roughly AUM × average trail rate ÷ 12. The trail income calculator grows the AUM with market returns and the monthly SIP book to show what that income becomes over time.
Are these returns guaranteed?
No. The results are illustrations based on the return you enter. Mutual fund returns are not fixed and investments are subject to market risk.
These calculators are for illustration only. Results depend on the return you enter and are not a promise of future returns. Rabbit Invest is a software platform for mutual fund distributors and is not an Investment Adviser under SEBI IA Regulations 2013. Mutual fund investments are subject to market risk, read all scheme related documents carefully.