Calculators
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SIP Calculator
Simple returnSee what a regular monthly investment could grow into.
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Years
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Assumptions: Assumes 12% annual return compounded monthly, 10% annual step-up, no expense ratio or exit load deducted.
How this is calculated
Each month's SIP is invested and compounds at 1/12th of your annual rate. If you set a step-up, the monthly amount itself grows by that percentage every 12 months, so later years contribute more than early ones — this is why step-up SIPs pull ahead of flat SIPs so sharply over long horizons.
Tax & capital gains — India
Equity SIP gains held over 1 year qualify for LTCG, taxed at 12.5% above a ₹1.25L exemption per year (July 2024 rules) — each SIP instalment has its own 1-year clock (FIFO), so early instalments turn long-term before later ones. Under 1 year is short-term, taxed at 20%.
Estimated corpus
₹1,98,88,715
Illustrative projection based on your selected assumptions.
₹68,73,000
₹1,30,15,716
12%
10%
₹16,11,339
₹1,82,77,376
₹62,01,396
Invested: ₹68,73,000 (35%)
Gain: ₹1,30,15,715 (65%)
💡 Adding ₹5,000/month more could potentially grow your corpus to ₹2,98,33,073 — an increase of ₹99,44,358 over 20 years.
Growth over time
Year 1Hover to inspect a yearYear 20: ₹1,98,88,715
Scenario comparison
| Scenario | Rate used | Result |
|---|---|---|
| Conservative | 9.00% | ₹1,46,16,569 |
| Base | 12.00% | ₹1,98,88,715 |
| Optimistic | 15.00% | ₹2,78,36,312 |