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SIP calculator

Estimate how much a monthly mutual fund SIP could grow to, with an optional yearly step-up.

₹

10 thousand

%

Not guaranteed — equity returns vary year to year

yrs
%

Raise the SIP by this much every year

Estimated value

₹23,23,391

after 10 years

  • Invested 52%
  • Estimated gains 48%
Total invested
₹12,00,000
Estimated gains
₹11,23,391
Year-by-year SIP value
YearInvestedGainsValue
1₹1,20,000₹8,093₹1,28,093
2₹2,40,000₹32,432₹2,72,432
3₹3,60,000₹75,076₹4,35,076
4₹4,80,000₹1,38,348₹6,18,348
5₹6,00,000₹2,24,864₹8,24,864

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Using the SIP calculator

Enter how much you invest each month, the yearly return you expect and how long you will stay invested. Add a step-up if you plan to raise the SIP each year. The table shows how much you put in and how much it could be worth at the end of each year.

Time matters more than timing

Compounding does most of its work in the later years. Look at the table: in a 20-year SIP, a large share of the final value is earned in the last five years. Starting early and staying invested through market falls matters more than picking the perfect fund.

An estimate, not a promise

Mutual fund returns vary year to year and can be negative. This calculator assumes a steady return to show the shape of growth; real results will be bumpier.

Questions

How is SIP return calculated?

Each monthly instalment grows for the months it stays invested: FV = P × [((1 + i)^n − 1) / i] × (1 + i), where i is the monthly return and n the number of months. ₹10,000 a month for 10 years at 12% a year becomes about ₹23.2 lakh.

What return should I assume for a SIP?

Nobody can promise a return. For diversified equity funds held 10+ years, 10–12% is a common planning assumption; use 6–7% for debt funds. Try a lower number to see a cautious case.

What is a step-up SIP?

A step-up SIP raises the monthly amount every year, usually in line with salary hikes. Increasing ₹10,000 by 10% a year makes a large difference over 15–20 years.

Are SIP gains taxed?

For equity funds, gains on units held over 12 months are long-term and taxed at 12.5% above ₹1.25 lakh a year; shorter-term gains are taxed at 20%. Debt fund gains are added to your income and taxed at your slab rate.

Can I stop or pause a SIP?

Yes. Open-ended fund SIPs can be paused or stopped any time without penalty; ELSS units are locked for 3 years from each instalment.

Estimates for planning only — not tax, legal or investment advice. Rates and rules change; confirm with your bank, fund house or a chartered accountant before acting.