SIP Calculator
See what a regular monthly investment could grow into.
A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund at regular intervals — usually monthly — instead of investing a lump sum all at once. Each instalment buys units at that day's price, so the average cost you pay evens out over time (rupee-cost averaging), and the amount compounds as returns are reinvested alongside your fresh contributions every month.
A SIP calculator projects what a fixed monthly investment could grow into over a chosen number of years, at an assumed annual rate of return. It separates the total amount you actually invested from the returns generated on top of it, so you can see how much of the final corpus is your own money versus growth.
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.
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%.
Is the SIP calculator's return rate fixed?
No. The 12% default is a commonly used long-run equity mutual fund assumption, not a promised or fixed return — actual fund performance varies by year and by fund, and can be negative in a bad year. Change the rate to match what you actually expect.
Does this account for expense ratio or exit load?
No — this is a gross-of-fees projection. A fund's expense ratio (typically 0.5–2% a year) and any exit load reduce your real return; for a closer estimate, reduce the assumed annual return by your fund's expense ratio.
What does the step-up option do?
Annual step-up increases your monthly SIP amount by a fixed percentage every year, modelling a rising income (e.g. contributing more each year as your salary grows) rather than a flat monthly amount for the entire period.
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