SIP Calculator
Free SIP calculator for India. Project the future value, total gain and CAGR of any monthly mutual fund SIP, with optional annual step-up. Updated for 2026.
A Systematic Investment Plan, more commonly called a SIP, is the most popular way Indian investors put money into mutual funds. You commit a fixed rupee amount every month, the AMC buys units at the prevailing NAV on a chosen date, and over time the magic of compounding does its quiet work. The SIP calculator on this page tells you exactly how much that monthly habit becomes after any number of years, at any expected return, with or without an annual top up. The maths runs locally in your browser and updates the moment you change a slider.
Inputs
Year-by-year breakdown
| Year | Monthly SIP | Invested | Value | Gain |
|---|---|---|---|---|
| 1 | ₹15,000 | ₹1,80,000 | ₹1,90,238 | ₹10,238 |
| 2 | ₹15,000 | ₹3,60,000 | ₹4,04,602 | ₹44,602 |
| 3 | ₹15,000 | ₹5,40,000 | ₹6,46,153 | ₹1,06,153 |
| 4 | ₹15,000 | ₹7,20,000 | ₹9,18,339 | ₹1,98,339 |
| 5 | ₹15,000 | ₹9,00,000 | ₹12,25,045 | ₹3,25,045 |
| 6 | ₹15,000 | ₹10,80,000 | ₹15,70,649 | ₹4,90,649 |
| 7 | ₹15,000 | ₹12,60,000 | ₹19,60,084 | ₹7,00,084 |
| 8 | ₹15,000 | ₹14,40,000 | ₹23,98,909 | ₹9,58,909 |
| 9 | ₹15,000 | ₹16,20,000 | ₹28,93,389 | ₹12,73,389 |
| 10 | ₹15,000 | ₹18,00,000 | ₹34,50,580 | ₹16,50,580 |
| 11 | ₹15,000 | ₹19,80,000 | ₹40,78,438 | ₹20,98,438 |
| 12 | ₹15,000 | ₹21,60,000 | ₹47,85,923 | ₹26,25,923 |
| 13 | ₹15,000 | ₹23,40,000 | ₹55,83,136 | ₹32,43,136 |
| 14 | ₹15,000 | ₹25,20,000 | ₹64,81,455 | ₹39,61,455 |
| 15 | ₹15,000 | ₹27,00,000 | ₹74,93,703 | ₹47,93,703 |
Why use the SIP Calculator
Most investors start a SIP without a clear sense of where it leads. They pick a number that feels comfortable, set an auto debit, and forget about it. Five years later they wonder why the corpus is smaller than expected. The SIP calculator removes that ambiguity. It shows the future value, the total amount invested, the gain over the period and the implied CAGR. Run the same SIP at 10 percent and at 13 percent. Compare 15 years to 20 years. See what happens if you add a 10 percent annual step up. The numbers force a conversation with yourself about whether the current SIP actually gets you to the corpus you have in mind.
Benefits at a glance
Project any monthly SIP accurately
The calculator uses iterative monthly compounding rather than the closed form approximation. Every contribution earns the monthly rate of return for the months remaining in the horizon. The output matches what your AMC would actually compute on a unit by unit basis.
See the cost of starting late
Move the duration slider down by five years and watch the corpus collapse. The visual makes the case for starting early more powerfully than any newsletter can. A SIP started at 25 builds a meaningfully larger corpus by 50 than the same SIP started at 30.
Test step up SIPs against flat SIPs
A 10 percent annual step up is roughly equivalent to a typical Indian salary hike. Toggle it on and the calculator iterates each year, computing the new contribution and compounding it forward. The corpus difference over 20 years is often the gap between a comfortable and a stressful retirement.
Charts and a year by year table
The growth chart shows invested amount versus portfolio value at each year end. The table below it lists every year so you can see when the gain crosses the principal, often around year nine or ten for a 12 percent equity SIP.
Free, private and instant
No signup. No email. No tracking of the inputs you type. The calculator runs entirely in your browser so the numbers never leave your device.
How to use the SIP Calculator
- 1
Enter your monthly SIP amount
Start with the amount you actually plan to invest each month. If you are unsure, ₹5,000 is a common starting point for a first SIP and ₹15,000 to ₹25,000 is typical for a salaried professional with a few years of experience.
- 2
Set the expected annual return
Use 10 to 12 percent for an equity oriented mutual fund as a long term assumption, 8 to 10 percent for hybrid funds, and 6 to 7 percent for debt funds. The actual return will fluctuate year to year, so think of this as a long run average.
- 3
Choose the investment duration
Longer is better. Compounding rewards time more than it rewards higher returns. Try the same SIP at 15 years and at 25 years to see why most retirement planners suggest starting in your twenties.
- 4
Optional, add an annual step up
Set a step up percentage if you plan to increase the SIP each year as your salary grows. A 10 percent step up roughly tracks Indian wage growth. Even a 5 percent step up adds materially to the final corpus over long horizons.
- 5
Read the result and the chart
Look at the final corpus, the total invested and the gain. The chart shows the gap between invested and corpus widening over time, which is the visual signature of compounding starting to do real work.
Frequently asked questions
How is the SIP calculator return computed?
Each monthly contribution is compounded at the monthly rate (annual return divided by twelve) for the remaining months of the horizon. The calculator sums the future value of every monthly investment to arrive at the final corpus. For step up SIPs, the contribution increases at the start of each year and the calculator iterates month by month, which makes the answer exact rather than approximate.
What return percentage should I assume for an Indian equity SIP?
Indian equity mutual funds have delivered roughly 11 to 13 percent CAGR over rolling 15 year periods. For planning purposes use 11 to 12 percent for diversified equity funds, 13 to 14 percent only if you are picking aggressive small or mid cap funds and willing to accept higher volatility, and 8 to 10 percent for hybrid or balanced advantage funds. Past returns do not guarantee future performance.
Is the SIP calculator accurate to the rupee?
The arithmetic is exact under the assumed return. Real world differences arise because the actual NAV on each SIP date moves, expense ratios reduce returns by 50 to 200 basis points depending on the fund category, and exit loads or short term capital gains tax may apply if you sell within a year. The calculator gives the gross figure before fees and tax.
Should I increase my SIP every year?
Yes if your income is growing. A flat SIP is comfortable but it loses purchasing power to inflation over time. A 10 percent annual step up keeps the real value of your contribution constant against typical Indian inflation and adds significantly to the final corpus. The calculator lets you compare both scenarios in seconds.
Can I use this for ELSS, index funds or smallcap SIPs?
Yes. The maths is the same for any monthly invested instrument. Adjust the expected return to match the category. ELSS and large cap index funds typically merit 10 to 12 percent assumptions, smallcap funds historically have averaged 13 to 15 percent over very long periods but with much higher year to year swings, and international fund of funds may use 8 to 11 percent depending on the underlying market.
What is the difference between SIP and lump sum investing?
A SIP spreads your investment across months and averages the purchase price across market cycles, which suits most investors emotionally and matches monthly salary inflows. A lump sum invests the whole amount at once and benefits more if the market trends up from the day of investment, but suffers if a correction follows. If you have a large amount and are not sure of timing, splitting it across a six to twelve month SIP often performs close to a lump sum with less regret risk.
How is SIP taxed in India?
Each SIP installment is treated as a separate purchase for tax purposes. When you redeem, gains on units held for more than twelve months in equity funds are long term capital gains, taxed at 12.5 percent above ₹1,25,000 of gains in a financial year as of FY 2025 to 2026. Units held for twelve months or less are short term and taxed at 20 percent. Debt fund taxation is at slab rates for redemptions after April 2023.
Is the SIP calculator free to use?
Yes, completely free, with no signup, no email capture, and no upper limit on how often you use it. The calculator runs entirely in your browser, so the inputs you type never leave your device.
Final word
The SIP calculator turns a fuzzy intuition about your monthly investment into a concrete number. Use it before you start a new SIP, every year as your salary grows, and any time you are tempted to pause contributions during a market wobble. The corpus you see twenty years out is not a guarantee, but it is a useful target that keeps the present moment honest. If a target corpus matters more than the SIP amount, switch over to the goal based SIP calculator and let the maths solve for the contribution instead.
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