SIP Calculator
A ₹10,000 monthly SIP for 10 years at an assumed 12% a year grows to about ₹23.23 lakh on ₹12.00 lakh invested.
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A systematic investment plan (SIP) invests a fixed amount every month. This calculator estimates what your SIP could grow to, assuming a steady annual return compounded monthly.
How the sip calculation works
FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r), where P is the monthly SIP, r the monthly return and n the number of months.
Example
Investing ₹10,000 a month for 10 years at an expected 12% a year: you invest ₹12,00,000 and the SIP grows to about ₹23,23,391.
SIP Calculator scenarios
| Monthly SIP | 5 years | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|---|
| ₹1,000 | ₹82,486 | ₹2.32 lakh | ₹5.05 lakh | ₹9.99 lakh | ₹18.98 lakh |
| ₹5,000 | ₹4.12 lakh | ₹11.62 lakh | ₹25.23 lakh | ₹49.96 lakh | ₹94.88 lakh |
| ₹10,000 | ₹8.25 lakh | ₹23.23 lakh | ₹50.46 lakh | ₹99.91 lakh | ₹1.90 crore |
| ₹25,000 | ₹20.62 lakh | ₹58.08 lakh | ₹1.26 crore | ₹2.50 crore | ₹4.74 crore |
| ₹50,000 | ₹41.24 lakh | ₹1.16 crore | ₹2.52 crore | ₹5.00 crore | ₹9.49 crore |
What changes the result
- Time in the market: the last few years add the most, because gains compound on a larger base.
- The return you assume: 10% instead of 12% a year cuts a 20-year SIP result by more than a fifth.
- The fund’s expense ratio (direct plans cost less than regular plans) and exit loads.
- Capital gains tax on redemption: equity-fund gains held over 12 months are taxed at 12.5% above ₹1.25 lakh a year; shorter holdings at 20%.
- Missed or paused instalments, and whether you increase the SIP over time.
How to use this calculator
- Enter the amount you plan to invest every month.
- Enter an expected annual return that suits the fund type (for example, lower for debt or hybrid funds).
- Choose how many years you will keep investing.
- Read the estimated value, the total you invest and the estimated gains.
SIP Calculator FAQs
Are SIP returns guaranteed?
No. Mutual fund returns depend on the market. The calculator assumes a constant return to show what is possible; actual returns will vary year to year.
What return should I assume?
Use a conservative figure that matches the fund type — lower for debt funds and hybrid funds, higher for equity funds held for the long term.
Does the calculator include taxes or expense ratios?
No. Returns shown are before capital gains tax. Fund expense ratios are usually already reflected in a fund's historical returns.
How are SIP returns measured?
Because each instalment is invested on a different date, SIP returns are usually shown as XIRR (an annualised return that accounts for the timing of each cash flow) rather than CAGR.
How are SIP gains taxed in India?
Each instalment is treated as a separate purchase. For equity funds, units held over 12 months are long-term (12.5% on gains above ₹1.25 lakh a year across all listed equity); units held for 12 months or less are short-term (20%). Debt fund gains on units bought after 1 April 2023 are taxed at your slab rate.
What is the minimum SIP amount?
Many funds accept SIPs from ₹100–₹500 a month; the minimum is set by each fund house and scheme.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.