SIP Calculator
A SIP calculator shows the future value of investing a fixed amount every month. For example, ₹10,000 a month for 15 years at a 12% expected annual return grows to about ₹50 lakh, of which ₹18 lakh is your investment and ₹32 lakh is growth from compounding. Enter your monthly amount, return and time period below to see your projected corpus.
Updated July 2026. Figures for FY 2025-26 (AY 2026-27).
How it is calculated
How SIP returns are calculated
The calculator uses the future value of a monthly annuity: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly investment, i is the monthly rate (annual return ÷ 12), and n is the number of months. Contributions are assumed at the start of each month.
Why compounding matters
Early instalments compound for the longest, so most of an SIP's final value comes from growth, not the amount invested. Staying invested longer disproportionately increases the corpus.
Worked example. ₹10,000/month for 15 years at 12% grows to about ₹50 lakh: ₹18 lakh invested, roughly ₹32 lakh of gains.
Frequently asked questions
What return should I assume for a SIP?
Equity mutual funds have historically returned 10% to 14% a year over long periods, though returns are not guaranteed. A 12% assumption is a common planning figure; debt funds are lower.
Is SIP income taxable?
Yes, on redemption. Equity fund gains are taxed as capital gains: 20% short-term or 12.5% long-term above ₹1.25 lakh a year. Use our capital gains calculator to estimate the tax.
Can I change or pause my SIP?
Yes. SIPs are flexible: you can increase, decrease, pause or stop them without penalty, though staying consistent produces the best compounding.
What is a step-up SIP?
A step-up SIP increases your monthly amount each year, often by 10%, to match rising income. It grows your corpus much faster than a flat SIP.
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