SIP Calculator
Calculate mutual fund SIP returns, maturity corpus & wealth gained. Supports step-up SIP.
₹
%
Yrs
Enable Annual Step-Up SIP
How SIP Calculator Works
1
Enter Monthly SIP
How much can you invest every month? Even ₹500/month works.
2
Set Expected Return
Equity mutual funds: 10–15%. Debt funds: 6–8%. Hybrid: 8–11%.
3
Choose Duration
Longer duration = power of compounding works harder for you.
4
See Corpus
Instantly see your estimated maturity amount and wealth gain chart.
SIP Returns Formula
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
P = Monthly SIP | r = Monthly rate (annual ÷ 12 ÷ 100) | n = Months
P = Monthly SIP | r = Monthly rate (annual ÷ 12 ÷ 100) | n = Months
SIP Returns Comparison — ₹10,000/month
| Period | Invested | @10% p.a. | @12% p.a. | @15% p.a. |
|---|---|---|---|---|
| 5 years | ₹6.00 L | ₹7.74 L | ₹8.17 L | ₹8.91 L |
| 10 years | ₹12.00 L | ₹20.48 L | ₹23.23 L | ₹27.87 L |
| 20 years | ₹24.00 L | ₹76.57 L | ₹99.92 L | ₹1.51 Cr |
| 30 years | ₹36.00 L | ₹2.27 Cr | ₹3.53 Cr | ₹6.99 Cr |
Frequently Asked Questions
SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month. It uses rupee cost averaging — you automatically buy more units when markets fall and fewer when they rise. This reduces the average cost per unit and removes the need to time the market.
A ₹5,000/month SIP for 10 years at 12% expected returns would grow to approximately ₹11.62 lakh. You would have invested ₹6 lakh in total, earning ₹5.62 lakh as returns — a gain of about 93.6%.
SIP in equity mutual funds typically offers higher long-term returns (10–15% p.a.) compared to FDs (6–8% p.a.), but with market risk. FDs offer guaranteed returns with capital safety. For long-term goals (5+ years), SIP usually outperforms FD after tax adjustments. For short-term needs, FD is safer.
A Step-up SIP automatically increases your investment amount by a fixed percentage every year. For example, starting at ₹5,000/month with a 10% annual step-up means ₹5,500 in year 2, ₹6,050 in year 3, etc. This aligns with salary increments and dramatically boosts your final corpus.
Yes. For equity mutual funds: if held over 1 year (LTCG), gains above ₹1.25 lakh are taxed at 12.5%. Short-term gains (under 1 year) are taxed at 20%. Debt fund gains are taxed as per your income tax slab. Each SIP instalment has its own holding period for tax calculation.