Dhan SIP Calculator Suite: All SIP Calculators Explained

Key takeaways:

The Daily, Weekly, Quarterly, Half-Yearly, and Yearly SIP Calculators offer the same projection logic across different contribution frequencies, allowing investors to align their SIPs with their preferred frequency.
The Step-Up SIP Calculator accounts for annual increases in the investment amount and shows how incrementally growing investments can build a substantial corpus difference compared with a flat SIP over the same period.
Inflation-based SIP calculators show how future expenses and purchasing power may affect long-term financial goals.
SIP with Lumpsum calculators help investors include both lump sum investment and regular SIP contributions, reflecting how they work together.
The SIP Goal Calculator works in reverse, where an investor inputs a target corpus and timeline, and the calculator determines the monthly SIP amount required to reach that goal.
The SIP vs Lumpsum Calculator provides a comparison of investing a fixed sum as either a lump sum or through SIP installments, helping investors make an informed allocation decision.
The SIP Calculator with Tax Deduction accounts for applicable capital gains tax at redemption, offering investors a clearer picture of what they would actually receive.

SIP investing can help investors build wealth gradually, but choosing the right contribution amount, frequency, tenure, and goal often requires more than one calculation. A monthly SIP projection may not be enough if an investor wants to account for inflation, increase their investment annually, combine SIPs with a lump sum, or estimate post-tax returns.

Dhan’s SIP calculator suite brings these different planning requirements into one place. The suite includes calculators for multiple investment frequencies, changing contributions, inflation-adjusted goals, initial investments, taxes, and comparisons between SIP and lump-sum investing. Here is what each calculator does and when to use it.

SIP Calculator

Dhan’s SIP Calculator helps investors estimate the potential future value of regular investments. Investors need to enter the SIP amount, investment tenure, and expected annual return to view the estimated total investment, returns, and maturity value.

Daily SIP Calculator

Not all investors receive income monthly. Traders, freelancers, and business owners with daily cash flows may find it more natural to invest small amounts every day rather than accumulate and deploy a larger sum once a month. The Daily SIP Calculator projects the corpus generated by a fixed daily contribution, allowing investors to gauge how a consistent daily investment habit compounds into meaningful wealth over time.

Weekly SIP Calculator

For investors who prefer to align investments with a weekly income, a monthly SIP may not feel suitable. The Weekly SIP Calculator projects the outcome of a fixed weekly contribution over a defined period, showing how weekly frequency compounds over time. It is particularly relevant for professionals who get paid on weekly cycles, or investors who want to increase contribution frequency without moving to a daily investment schedule.

Quarterly SIP Calculator

Some investors receive income quarterly from dividends, rental earnings, business profits, or contract-based work. The Quarterly SIP Calculator projects the final corpus when investments are made once every three months, allowing investors to see how less frequent but larger contributions translate into long-term accumulation.

Half-Yearly SIP Calculator

Some investors prefer to consolidate investments into two larger contributions every year rather than spreading them across monthly installments. The Half-Yearly SIP Calculator projects the corpus generated by two fixed annual investments, giving these investors a realistic picture of how bi-annual investing grows into long-term wealth through compounding over a multi-year tenure.

Yearly SIP Calculator

Some investors have annual income cycles and receive year-end bonuses, annual business profits, or seasonal revenue events and prefer to make one consolidated investment each year rather than committing to monthly or quarterly installments. The Yearly SIP Calculator projects the corpus generated by a fixed annual contribution over a defined tenure, helping investors with once-a-year investment habits understand how disciplined annual investing can compound even without the higher frequency.

Step-Up SIP Calculator

Most individuals' income and savings ability increase over time, so maintaining the same SIP amount may not always be appropriate. The Step-Up SIP Calculator helps investors gauge how an annual percentage increase in contribution can significantly compound investments over time.

Step-Up SIP Calculator with Inflation

The Step-Up SIP Calculator with Inflation reflects two real-world conditions simultaneously: the investor's increasing capacity to contribute and the declining purchasing power of the accumulated corpus. For investors planning long-term goals, this calculator offers the most realistic view of what their growing SIP contributions will actually be worth in real terms at maturity.

SIP with Lumpsum Calculator

Many investors do not invest through SIP alone. They also want to deploy a yearly lump-sum investment alongside ongoing SIP contributions. The SIP with Lumpsum Calculator takes both into consideration, projecting the combined corpus that results from a once-a-year lump-sum investment with regular monthly SIP contributions. This gives investors a realistic view of their total outcome when both investment modes are active simultaneously.

SIP Calculator with Inflation

A projected corpus of ₹1 Crore in 20 years may seem like a large amount. However, when investors consider a 6% annual inflation rate, that same ₹1 crore is worth only around ₹31 lakhs in today’s money. The SIP Calculator with Inflation accounts for inflation's effect on the future value and displays the inflation-adjusted future value.

SIP Goal Calculator

Every other calculator in this suite starts with an investment amount and projects a corpus. The SIP Goal Calculator works in the opposite direction. Investors input a target along with the expected rate of return, and the calculator determines the monthly SIP amount required to reach that goal. This reverse-calculation approach helps investors in goal-based financial planning, where the destination is defined, and the investment plan is built backwards from it.

SIP Goal Calculator with Inflation

The SIP Goal Calculator shows how much an investor needs to invest monthly to reach a target corpus. The SIP Goal Calculator with Inflation takes this further by taking inflation into consideration as well, as reaching that target figure in future alone may not be sufficient due to inflation. This calculator first computes the inflation-adjusted future value, then determines the SIP amount required to meet that inflated amount, making it an attractive tool for long-horizon, goal-based planning.

SIP vs Lumpsum Calculator

The SIP vs Lumpsum Calculator helps investors compare two different approaches to investing. A SIP spreads investments over time, while a lump-sum investment deploys available capital at once. The SIP vs Lumpsum Calculator projects the corpus generated by both approaches under the same assumed rate of return and tenure, allowing investors to make an informed allocation decision rather than defaulting to one approach out of habit.

SIP Calculator with Initial Investment

Most investors do not start their investing journey from zero. The SIP Calculator with Initial Investment accounts for a starting corpus alongside regular SIP contributions, projecting the combined outcome. This makes it more accurate for investors building on an existing position rather than beginning an entirely new investment plan from scratch.

SIP Calculator with Tax Deduction

Most SIP calculators display pre-tax corpus figures. But mutual fund redemptions attract capital gains tax, which is currently 20% on short-term gains and 12.5% on long-term gains above ₹1.25 lakh. The SIP Calculator with Tax Deduction accounts for applicable capital gains tax at the point of redemption, giving investors a clearer picture of the actual post-tax amount they will receive.

Wrap up

SIP planning involves more than deciding on a monthly investment amount. An investor's income pattern, investment frequency, starting capital, annual contribution increases, financial goals, inflation, and tax position- all these factors play an important role in SIP investments. A single calculator may not provide enough context for all these situations.

Dhan’s expanded SIP Calculator Suite gives investors a broader set of tools to model these different scenarios, from daily contributions and annual step-ups to inflation-adjusted projections, goal-based reverse planning, post-tax outcomes, and side-by-side strategy comparisons. This helps investors model their specific situation accurately, rather than relying on a generic projection that may not reflect how they actually invest, earn, or plan.