SIP calculator
See what a steady monthly investment grows into.
Quick answer
A SIP calculator shows how much a fixed monthly mutual fund investment grows over time in India. Enter your monthly amount, expected annual return, and investment period to see total invested, growth, and final corpus — compounded monthly.
Your corpus
Invest ₹5,000/month for 15 years and it grows into this.
- You invest
- ₹9,00,000
- Growth on top
- ₹15,97,901
- That's a
- 2.8× return
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
A SIP (Systematic Investment Plan) is simply investing a fixed amount into a mutual fund every month. It's the default way most Indians build wealth because it turns investing into a boring, automatic habit instead of a timing game.
This calculator shows the future value of your SIP: how much you put in, and how much compounding adds on top over time.
How it's calculated
We treat your SIP as a monthly annuity and compound it monthly: FV = C × ((1+i)ⁿ − 1) / i, where C is your monthly amount, i is the monthly return (annual ÷ 12), and n is the number of months. Returns are assumed, not guaranteed — markets don't move in a straight line.
Common questions
- Is a 12% return realistic for a SIP?
- Over 10+ years, diversified equity index funds in India have historically delivered roughly 11–13% annualised. Shorter periods can be far lower or negative. Use 10–12% for planning and treat anything higher as a bonus.
- SIP or lumpsum — which is better?
- If you have a large amount ready and a long horizon, lumpsum usually wins mathematically. But for salaried people investing from monthly income, a SIP is what actually happens — and it removes the stress of timing the market.
- Are SIP returns taxed?
- Yes. Equity mutual fund gains are taxed as capital gains — 12.5% long-term (held over a year, above the annual exemption) and 20% short-term. The calculator shows pre-tax growth.
Jargon, explained
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Sources
For general education, not personalised financial advice. Verify current rates and rules before acting — tax laws and interest rates change.