How to use a SIP calculator the right way

By ToolSetu Editorial Team Published 05 Jun 2026 Reviewed for accuracy — how we work

Systematic Investment Plans (SIPs) are one of the simplest ways to build wealth. In this guide we explain how to read the numbers a SIP calculator gives you and how to set realistic return assumptions.

Set a realistic return

Equity funds have historically returned around 10-14% over long periods, but never assume those returns are guaranteed.