📈 SIP Calculator
See how much your monthly SIP will grow — results update live as you move the sliders.
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Your Results
- Step-up 10%/yr: Raising your SIP 10% annually can nearly double the final corpus
- Match horizon to fund: 10+ yrs → Equity/Index; 3-5 yrs → Hybrid/Debt
- Tax: Equity MFs — 12.5% LTCG on gains > ₹1.25L/yr after 1 yr holding
📊 Year-by-Year Breakdown (click to expand)
| Year | Invested | Interest | Total Value |
|---|
⚠️ Estimates only. Past performance ≠ future results.
💡 How SIP Works
Rupee Cost Averaging
You buy more units when prices are low, fewer when high — automatically reducing average cost.
Power of Compounding
Your returns earn returns. Even small amounts grow massively over 15-20 years.
Discipline Over Timing
Historically, regular monthly investing has tended to reduce the impact of market volatility.
❓ Frequently Asked Questions
What is SIP? +
What is the minimum amount to start a SIP? +
Is SIP better than lump sum investing? +
Are SIP returns guaranteed? +
Can I stop or change my SIP amount? +
⚠️ Calculator Disclaimer: SIP projections assume constant returns throughout the investment period. Actual mutual fund returns vary and are NOT guaranteed. Past performance does not indicate future results. Mutual fund investments are subject to market risks — read all scheme-related documents carefully before investing. This tool is for educational illustration only — not an investment recommendation. Consult a SEBI-registered advisor.
| Instrument | Type | Risk | Return (indicative) | Lock-in | Tax treatment | Regulator |
|---|---|---|---|---|---|---|
| Large Cap Mutual Fund | Equity — Diversified | Moderate | 10–12% p.a. (hist.) | None | LTCG 12.5% above ₹1.25L | SEBI |
| Index Fund (Nifty 50) | Equity — Passive | Moderate | 10–12% p.a. (hist.) | None | LTCG 12.5% above ₹1.25L | SEBI |
| ELSS — Tax Saver Fund | Equity — Diversified | Moderate–High | 10–14% p.a. (hist.) | 3 years | LTCG 12.5%; 80C deduction up to ₹1.5L | SEBI |
| Mid / Small Cap Fund | Equity | High | 12–16% p.a. (hist.) | None | LTCG 12.5% above ₹1.25L | SEBI |
| NPS Tier 1 — E class | Pension — Equity | Moderate | 10–12% p.a. (hist.) | Till age 60 | 80CCD(1B) extra ₹50K; 60% lump sum tax-free | PFRDA |
| PPF | Govt. Debt | Very Low | 7.1% p.a. (fixed) | 15 years | EEE — fully tax-free | MoF |
📌 What To Do Next
Now that you've seen what your SIP could grow to, consider checking if this amount is enough for your retirement goal, or explore other investment options to diversify. Always consult a qualified financial advisor before making any financial decisions.
Check Your Retirement Goal →