SIP Calculator
Wondering how much your monthly SIP will grow to? Enter what you're investing each month, the expected return, and how long you're staying in. You'll see the total corpus and how much of it is your actual returns vs what you put in.
How to use
- Enter how much you're investing every month.
- Enter the expected annual return rate (historical equity mutual fund average: 12–15%).
- Enter how many years you plan to stay invested.
- Hit Calculate to see your total corpus, amount invested, and the wealth gained on top.
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A SIP (Systematic Investment Plan) lets you invest a fixed amount every month in a mutual fund. The calculator uses compound interest applied monthly: M = P × {[(1 + r)^n − 1] / r} × (1 + r), where P is the monthly investment, r is the monthly return rate (annual rate ÷ 12 ÷ 100), and n is the total number of months.
The power of SIP is compounding over time. Investing ₹5,000 per month at 12% annual return for 15 years grows to approximately ₹25 lakhs, on a total investment of just ₹9 lakhs. Starting even 5 years earlier can nearly double the final corpus, which is why financial planners consistently recommend starting SIPs as early as possible.
Frequently Asked Questions
What is a realistic expected return rate for SIP?
Equity mutual funds in India have historically delivered 10–15% CAGR over long periods (10+ years). For conservative financial planning, use 10–12%. Debt fund SIPs typically return 6–8%. Returns are not guaranteed and vary with market conditions.
Can I pause or stop a SIP midway?
Yes. SIPs can be paused for 1–3 months (depending on the fund house) or stopped entirely at any time without penalty. Your invested corpus stays in the fund and continues to grow. Stopping a SIP does not mean redeeming the investment.
Is SIP better than investing a lump sum?
SIP averages out your purchase cost over time through rupee cost averaging, you buy more units when markets are low and fewer when they are high. Lump sum works better if you invest at a market low. For most retail investors who cannot time the market, SIP is the more reliable strategy.
Is SIP return taxable?
For equity mutual funds: Long-Term Capital Gains (held over 1 year) above ₹1 lakh per year are taxed at 12.5%. Short-term gains (held under 1 year) are taxed at 20%. Each SIP instalment has its own 1-year clock. Debt funds are taxed as per your income tax slab regardless of holding period.
Disclaimer: Results are estimates for informational purposes only and do not constitute financial, tax, or investment advice. Figures may vary based on actual terms. Always consult a qualified financial advisor before making financial decisions.