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SIP Calculator for Mutual Fund Investments

See how much your monthly SIP or one-time investment could grow to. Add a yearly step-up to match salary hikes, and check what the final amount is worth in today's money.

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years
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Estimated value at the end
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Growth 1.0×
Amount invested₹0
Estimated returns₹0
Total value₹0
Worth in today's money₹0

Returns from mutual funds are not guaranteed. These figures assume a steady return every year, before tax and fund expenses.

How your money grows

The purple area is what you put in. The orange area above it is the growth from compounding, which speeds up in the later years.

Year-by-year growth

YearMonthly SIPInvested so farReturns so farValue at year end

How is SIP return calculated?

A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund every month. Each instalment earns returns for the months it stays invested, so early instalments grow the most. Most SIP calculators, including this one, assume the money is invested at the start of each month.

FV = P × ((1 + i)n − 1) ÷ i × (1 + i) FV is the future value, P is the monthly SIP, i is the monthly return (annual return ÷ 12 ÷ 100) and n is the number of months. With a step-up, the calculator works month by month instead of using a single formula.

Worked example

Why a step-up makes a big difference

Tips for getting more from your SIP

  • Start early. Ten extra years of compounding often matters more than a bigger monthly amount.
  • Don't stop during a market fall. Your SIP buys more units when prices are low, which helps your average cost.
  • Choose direct plans where you can. They have lower expense ratios than regular plans, which adds up over many years.
  • Be realistic about returns. Try 10–12% for equity funds and 6–8% for debt funds rather than recent best-case figures.

How SIP gains are taxed (FY 2026-27)

Each SIP instalment is treated as a separate purchase, so the holding period is counted from the date of each instalment. For equity mutual funds:

Equity fund, held forTax on gains
Up to 12 months (short term)20%
More than 12 months (long term)12.5% on gains above ₹1.25 lakh a year

Gains from debt funds bought after 1 April 2023 are added to your income and taxed at your slab rate. Cess is added on top in all cases.

Frequently asked questions

What is a good expected return to use for a SIP?

Equity funds in India have historically returned around 10–14% a year over long periods, but this varies a lot by fund and time period. Using 10–12% gives a more cautious estimate.

Is SIP better than a lumpsum investment?

If you already have a large amount, a lumpsum invested early has more time to grow. A SIP spreads your purchases over time, which reduces the risk of investing everything just before a market fall, and it suits a monthly salary.

What is the minimum amount for a SIP?

Many mutual funds allow SIPs from ₹500 a month, and some from ₹100. Check the scheme's details on the fund house or platform you use.

Why does the calculator show a "today's money" value?

Prices rise every year, so ₹1 crore in 20 years will buy much less than ₹1 crore today. The inflation-adjusted figure shows what your final amount is worth at today's prices, which helps when planning goals like retirement.

Can I stop or pause my SIP?

Yes. Most funds let you pause or stop a SIP at any time without a penalty. Your units stay invested. Some funds charge an exit load if you withdraw within a year of investing.