Calculate SIP returns with step-up, LTCG tax, and inflation-adjusted real value. Free, instant and private.
Equity funds historically returned 10–14%. Use 10–12% for large-cap planning.
Increase SIP by this % each year. 10% matches typical salary hikes. Set 0 for flat SIP.
Projected value
₹50.46L
₹50,45,760
Your projected corpus
₹50.4 Lakh
Invested: ₹18 Lakh · Returns: ₹32.4 Lakh
A SIP (Systematic Investment Plan) calculator estimates the future value of your monthly mutual fund investments. You enter your monthly amount, expected return rate, and investment tenure — it shows your total invested, estimated returns, and projected corpus. Our calculator also shows LTCG tax impact and inflation-adjusted real value.
Tool type
Financial calculator
Formula
Future value of annuity
Results
Corpus, returns, LTCG tax, real value
Platform
Browser-based, 100% free
The calculator uses the future value of annuity formula. Each monthly instalment earns compounding returns for its specific duration. The total corpus is the sum of all future values. A step-up SIP increases your monthly amount by a fixed percentage annually.
Beginner
SIP: ₹5,000/mo
Tenure: 10 yrs
Corpus: ₹11.5 Lakh
Moderate
SIP: ₹10,000/mo
Tenure: 15 yrs
Corpus: ₹50.4 Lakh
Aggressive
SIP: ₹25,000/mo
Tenure: 20 yrs
Corpus: ₹2.5 Crore
How a ₹10,000/month SIP at 12% grows over time:
| Year | Invested | Corpus | Returns | 12% |
|---|---|---|---|---|
| 5 | ₹6L | ₹18.0L | ₹12.0L | 12% |
| 10 | ₹12L | ₹31.0L | ₹19.0L | 12% |
| 15 | ₹18L | ₹55.0L | ₹37.0L | 12% |
| 20 | ₹24L | ₹96.0L | ₹72.0L | 12% |
| 25 | ₹30L | ₹170.0L | ₹140.0L | 12% |
| 30 | ₹36L | ₹300.0L | ₹264.0L | 12% |
Rupee cost averaging reduces timing risk
Power of compounding over long periods
Disciplined investing habit
Start with as little as ₹500/month
No lock-in for open-ended funds
Step-up option aligns with income growth
Salaried employees planning retirement
First-time mutual fund investors
Parents saving for children's education
Anyone comparing flat vs step-up SIP
Investors tracking LTCG tax impact
Goal-based financial planners
Stopping SIP during market falls — you miss the best buying opportunities
Starting early and staying invested through all market cycles
Using unrealistic return expectations (15%+ for long-term planning)
Using 10-12% for equity and planning with conservative estimates
Ignoring inflation — planning with nominal rather than real returns
Use 10-12% for equity funds, 6-8% for debt funds in your projections
Enable step-up SIP at 10% annual increase to 2-3x your final corpus
Tax-harvest by redeeming up to ₹1.25L in LTCG gains each year
Hold SIPs for at least 7 years — ideally 10-20 years — for best results
Use direct plans (lower expense ratio) instead of regular plans
A SIP calculator estimates the future value of your monthly mutual fund investments using the future value of annuity formula.
The calculator is mathematically accurate. However, mutual fund returns vary with market conditions. We recommend using 10–12% for large-cap equity funds and running multiple scenarios.
For long-term planning with diversified equity mutual funds in India, use 10–12% as your base case. For debt funds, use 6–8%.
A flat SIP invests the same amount every month. A step-up SIP increases your monthly investment by a fixed percentage each year — typically 10%.
For equity funds held over 12 months, LTCG above ₹1.25 lakh per year is taxed at 12.5%. Each SIP instalment has its own holding period (FIFO).
Most mutual funds in India allow you to start a SIP with as little as ₹500 per month.
At 12% returns: ₹2,850/month for 30 years, ₹10,000/month for 20 years, or ₹43,000/month for 10 years.
Over 10+ years, SIP in equity funds typically outperforms FDs. However, FD returns are guaranteed. SIP suits long-term goals (10+ years).
Yes, if the market declines and you redeem before recovery. However, staying invested through cycles historically delivers positive returns over 7+ years.
India's long-term average inflation is ~6%. A ₹1 crore corpus in 20 years is worth ~₹28 lakhs in today's purchasing power.
Start as early as possible — time is your biggest ally
Use step-up SIP to match your growing income
Plan with 10-12% returns for equity, not higher
Always account for inflation and LTCG tax in your goals
Stay invested through market cycles — do not stop during falls
SIP
Systematic Investment Plan — investing a fixed amount regularly in mutual funds.
NAV
Net Asset Value — the per-unit market price of a mutual fund scheme.
CAGR
Compound Annual Growth Rate — smoothed annualised return.
LTCG
Long-Term Capital Gains — profit on assets held over 12 months.
Sources: SEBI Mutual Fund data · AMFI SIP statistics · Income Tax Department capital gains rules · RBI inflation data. Always consult a qualified financial advisor before making investment decisions.