SIP Calculator
A SIP (Systematic Investment Plan) invests a fixed amount into a mutual fund every month. This calculator projects what that discipline compounds into: enter the monthly amount, an assumed annual return and the number of years, and it shows the maturity value, how much of it you actually contributed, and how much is market growth.
Because instalments are invested monthly, the maths uses monthly compounding with contributions at the start of each month (annuity-due) — the same convention most fund houses and platforms use.
How it works
- The annual return is converted to a monthly rate: i = annual rate ÷ 12.
- Each monthly instalment compounds for the months remaining until the end date.
- Total invested = monthly amount × number of months; wealth gained = maturity value − total invested.
Frequently asked questions
What annual return should I assume for an equity SIP?
Broad Indian equity indices have historically delivered roughly 11–13% a year over long periods, before fund costs. Most planners model 10–12% for equity funds and 6–7% for debt funds. Treat the number as an assumption to stress-test, not a promise — run the calculator at 8% too and see if your plan still works.
Why doesn't this match the return shown in my mutual fund app?
Your app computes XIRR on your actual purchase dates and NAVs, including skipped or extra instalments. This calculator assumes a perfectly regular SIP at a constant return. For money already invested, check your true annualised return with the XIRR calculator.
Is the SIP maturity amount guaranteed?
No. SIP is a way of investing, not a product with an assured return. Equity fund values move with the market; rupee-cost averaging smooths your purchase price across months but does not remove market risk.
How are SIP gains taxed?
For equity funds, each instalment has its own holding period. Units held over 12 months qualify as long-term: gains above ₹1.25 lakh a financial year are taxed at 12.5%; units sold within 12 months are taxed at 20%. Use the capital gains tax calculator to estimate the bill.
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This tool is an educational estimate, not investment or tax advice. Rates and rules change — verify current figures and consult a professional before acting.