SIP Returns Calculator
Project the corpus your monthly SIP will build over 5-30 years. Default 12% return assumes Indian large/mid-cap equity averages — adjust for your fund category.
Where to start your SIP
Direct mutual fund apps charge zero commission, saving you 1-1.5% annually. Over 20 years that's 15-25% more wealth on the same investment.
Compare best mutual fund apps ›Frequently asked questions
What return rate should I assume for SIP?
For Indian equity mutual funds: large-cap ~11-13%, flexi-cap ~12-15%, mid/small-cap ~14-18% (with higher volatility). Debt funds 6-8%. Hybrid funds 8-10%. The 12% default is conservative for equity SIP and matches Nifty 50 long-term CAGR.
Is SIP step-up worth it?
Yes — increasing SIP by 10% annually as your salary grows can 2-3x your final corpus over 20 years. A Rs 10,000/month SIP at 12% over 20 years grows to Rs 99 lakh; with 10% annual step-up it becomes Rs 1.95 crore.
What is the difference between SIP and lump sum?
SIP averages cost over time (rupee cost averaging) — better for volatile markets. Lump sum captures full upside if markets rise from entry point — better when markets are clearly low. For most retail investors, SIP is the safer, more disciplined approach.
How is SIP corpus calculated?
Future value of SIP = P × ({(1+r)^n − 1} / r) × (1+r) where P = monthly SIP, r = monthly rate (annual / 12 / 100), n = total months. The calculator uses this formula plus a step-up adjustment if enabled.
How are SIP returns taxed in India?
Equity mutual funds: 12.5% LTCG tax on gains above Rs 1.25 lakh per year (after 1-year holding). Debt funds: taxed at slab rate from FY24 onwards. ELSS: 3-year lock-in, taxed as equity. Plan your redemptions to use the Rs 1.25 lakh annual exemption.