SIP Calculator
See how your monthly SIP can grow.
- Invested₹12 L
- Gains₹11.23 L
Mutual fund returns are not guaranteed — this projects a steady rate. Actual growth will zigzag with the market.
How it works
Each monthly instalment compounds for the time remaining, so early instalments grow the most. We project the future value of this monthly stream at your expected annual return.
Example
₹10,000/month for 10 years at 12% grows to about ₹23.2 lakh — you invest ₹12 lakh and compounding adds roughly ₹11.2 lakh.
FAQs
Are SIP returns guaranteed?
No. Equity SIPs average 10–12% over long periods historically, but yearly returns swing widely. Longer SIPs smooth out the bumps.
What is a step-up SIP?
Increasing your SIP by ~10% every year as your salary grows. A ₹10,000 SIP stepped up 10% yearly beats a flat ₹10,000 SIP by a wide margin.
How is SIP taxed?
Equity fund gains: short-term (under 1 year) at 20%, long-term above ₹1.25 lakh/year at 12.5%. Debt fund rules differ.