No. It is a planning assumption people use. Real return can be lower or higher.

Does this include expense ratio?

No. If you want to be conservative, drop the return box by 1 percent.

Not in this version. Raise the monthly amount yourself and run again.

Use compound interest tool for the lumpsum and add it in your head.

SIP Calculator

SIP math is just compound growth on monthly puts. Markets dont give a straight 12 percent. This box is for a rough corpus, not a guarantee.

Result breakdown

Estimated corpus: ₹6,97,017
Invested: ₹3,60,000
Estimated gain: ₹3,37,017
Months: 120

This is an estimate, not an official figure.

How to use

Monthly SIP is what you can actually keep doing.
Expected return is a guess. 10 to 12 is a common planning number, not a fact.
Years is how long you stay invested.

One example

₹3,000 a month for 10 years at 12% assumed return is near ₹6.97 lakh. You put in ₹3.60 lakh. The rest is market luck, not a bank FD.

Common mistakes

Treating 12% as locked. Equity years can be ugly.
Ignoring that you might pause SIPs when EMI gets tight.
Comparing one year return with this 10 year formula.

FAQs

Is 12 percent safe?: No. It is a planning assumption people use. Real return can be lower or higher.
Does this include expense ratio?: No. If you want to be conservative, drop the return box by 1 percent.
Step-up SIP?: Not in this version. Raise the monthly amount yourself and run again.
Lumpsum plus SIP?: Use compound interest tool for the lumpsum and add it in your head.

Related tools

This is an estimate, not an official figure. CalcInHand is not a bank, Income Tax, GST or electricity board tool. Confirm important numbers on the official portal.