SIP Calculator — Estimate Your Mutual Fund Returns
Set your monthly investment, expected return, and time period. See your projected corpus, how much you invested versus earned, and your wealth-growth multiple — instantly, in your browser, with nothing stored.
SIP Calculator
Plan your wealth journey
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₹500₹1L
%
1%30%
Yr
1 Yr40 Yr
Total Value₹0
Invested Amount
₹0
Est. Returns
₹0
Wealth Growth0x
How to Use the SIP Calculator
Set your Monthly Investment — the amount you’ll invest each month.
Choose an Expected Annual Return. A long-term equity assumption of 10–12% is common.
Pick your Time Period in years.
Your projected corpus, invested amount, estimated returns, and wealth-growth multiple update instantly as you move the sliders — no button needed.
The SIP Formula
FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i)
P = monthly investment • i = monthly return (annual ÷ 12 ÷ 100) • n = months (years × 12)
Example — ₹5,000/month at 12% for 10 years: i = 0.01, n = 120, growth factor ≈ 232.34, so FV ≈ ₹11,61,700 on ₹6,00,000 invested — an estimated gain of about ₹5,61,700.
How Much SIP to Reach ₹1 Crore?
Assuming a 12% expected annual return:
Time invested
Monthly SIP needed
Total you invest
10 years
₹43,041
₹51,64,920
15 years
₹19,819
₹35,67,420
20 years
₹10,009
₹24,02,160
25 years
₹5,270
₹15,81,000
30 years
₹2,833
₹10,19,880
The longer you stay invested, the less you contribute each month — compounding does the rest. Starting 10 years earlier can cut the required monthly amount by more than half.
How ₹5,000/Month Grows Over Time
At a 12% expected annual return:
Duration
You invest
Estimated value
Your gain
10 years
₹6,00,000
₹11,61,700
₹5,61,700
15 years
₹9,00,000
₹25,22,880
₹16,22,880
20 years
₹12,00,000
₹49,95,740
₹37,95,740
25 years
₹15,00,000
₹94,88,175
₹79,88,175
30 years
₹18,00,000
₹1,76,49,565
₹1,58,49,565
The gain grows far faster than the amount invested — that’s compounding. By year 30, gains are nearly nine times your contributions.
SIP vs Lumpsum — Which Is Better?
A lumpsum invests one large amount upfront; a SIP spreads it across monthly instalments.
If you already have the money and markets rise steadily, a lumpsum usually ends higher, because the full amount compounds for the entire period. If you invest from monthly income, SIP is more practical — and adds rupee-cost averaging: you buy more units when prices are low and fewer when high, reducing the risk of investing everything at a market peak.
They aren’t mutually exclusive — most investors use SIP for regular income and lumpsum for one-off windfalls like a bonus or maturity proceeds.
What Is a Step-Up SIP?
A step-up (or top-up) SIP increases your monthly contribution by a fixed percentage each year — usually 10% — to match your rising income. Because the extra amounts also compound, a step-up SIP reaches a goal faster than a flat SIP, with increases so gradual you barely notice them as your salary grows.
How Are SIP Returns Taxed? (FY 2025-26)
Returns from equity mutual funds are taxed as capital gains, based on how long each instalment was held:
Held over 12 months (LTCG): taxed at 12.5%, only on gains above ₹1.25 lakh in a financial year.
Held 12 months or less (STCG): taxed at 20%.
Each monthly instalment has its own holding period, and redemptions follow FIFO (oldest units sold first) — so one redemption can contain both long- and short-term gains. ELSS funds are equity funds with a 3-year lock-in and a Section 80C deduction under the old tax regime.
⚠️ Tax rules change with each Union Budget. These rates apply to FY 2025-26 (effective 23 July 2024). Verify current rules and consult a tax professional or SEBI-registered adviser before acting. This calculator does not compute tax.
Frequently Asked Questions
Enter your monthly investment, an expected annual return, and the number of years. The calculator applies the SIP future-value formula and instantly shows your projected corpus, total invested, and estimated gains. Adjust the sliders to compare scenarios.
At a 12% expected return, roughly ₹43,000/month over 10 years, ₹19,800/month over 15 years, ₹10,000/month over 20 years, or about ₹2,833/month over 30 years. The longer you invest, the less you need each month.
Some equity funds have delivered around 20% over certain historical periods, but returns are not guaranteed and vary year to year. For planning, a more realistic long-term equity assumption is 10–12%.
Yes — most open-ended funds allow redemption on any business day. However, some funds charge an exit load if you redeem within a short period, often within one year, and ELSS funds have a mandatory 3-year lock-in. Check your fund’s terms.
Reaching ₹50 lakh in 5 years needs roughly ₹61,000/month at a 12% expected return. Shorter timeframes require much higher monthly investments because compounding has less time to work. Use the calculator to test combinations.
It depends. A lumpsum often ends higher if you have the money ready and markets rise steadily. SIP is more practical for monthly income and adds rupee-cost averaging, which reduces the risk of investing everything at a market high. Many investors use both.
For equity funds in FY 2025-26, gains on units held over 12 months are taxed at 12.5% above a ₹1.25 lakh annual exemption; units held 12 months or less are taxed at 20%. Each SIP instalment is counted separately. Tax rules change, so verify current rates.
Yes. It runs entirely in your browser, requires no login, and does not collect or store any personal or financial data. It provides estimates for planning only; for fund selection, consult a SEBI-registered financial adviser.
