SIP Calculator

Calculate the future value of your SIP investments and see how small monthly amounts grow over time.

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Enter your SIP details above to see your investment grow

How SIP returns are calculated

SIP uses the power of compounding — each monthly investment earns returns not just on the principal but on accumulated returns too.

SIP Future Value Formula
FV = P × [(1+r)^n − 1] / r × (1+r)
Where P = monthly amount, r = monthly rate (annual/12), n = total months. Example: ₹5,000/month at 12% for 10 years = ₹11.6 L invested → ₹23.2 L maturity.
Why SIP beats lump sum timing
Rupee Cost Averaging
Investing monthly means you buy more units when markets are down and fewer when markets are up — automatically averaging your cost and reducing timing risk.

Tips to maximize SIP returns

Start Early

Starting 5 years earlier can more than double your final corpus thanks to compounding. Time in market beats timing the market.

Step-Up SIP

Increase your SIP by 10–15% every year (step-up SIP) to align with income growth. This dramatically boosts your maturity corpus.

Stay Invested

Don't stop SIPs during market downturns — that's when you accumulate the most units at lower NAVs, setting up for higher gains when markets recover.

Frequently asked questions

Is the SIP return of 12% realistic?

Large-cap equity mutual funds in India have historically delivered 10–13% CAGR over long periods (10+ years). Mid-cap and small-cap funds have delivered 13–18% but with higher volatility. 12% is a reasonable long-term estimate for a diversified equity fund, but past returns do not guarantee future performance.

What is the minimum SIP amount?

Most mutual funds allow SIPs starting from ₹100–₹500 per month. Some funds have a minimum of ₹1,000. There is no maximum limit on SIP investments.

Is SIP income taxable?

Yes. Each SIP instalment is treated as a separate investment. For equity funds, gains on units held less than 1 year are taxed at 20% (STCG) and gains on units held more than 1 year are taxed at 12.5% above ₹1.25 lakh (LTCG). For debt funds, gains are added to income and taxed at your slab rate.

Can I pause or stop a SIP?

Yes. You can pause a SIP for 1–3 months (most fund houses allow this) or stop it entirely without any penalty. Stopping a SIP does not redeem your existing units — they remain invested and continue to grow.

What is the difference between SIP and lumpsum investment?

SIP involves investing a fixed amount every month, which averages out market volatility (rupee cost averaging). Lumpsum means investing a large amount at once — better when markets are at a low, but riskier due to timing. For most retail investors, SIP is recommended for disciplined, long-term wealth creation.