SIP Calculator
Estimate the future value of monthly mutual fund SIPs with interactive charts.
₹10,000/month at 12% for 10 years grows to about ₹23 lakh — you invest ₹12 lakh and compounding adds roughly ₹11 lakh. Stretch it to 15 years and it becomes about ₹50 lakh. That’s why starting early matters more than investing big.
How to use the sip calculator
- Enter your monthly SIP amount.
- Set expected returns and tenure.
- See invested amount, gains and total value.
SIP Calculator — FAQs
What returns can I expect from SIPs?
Equity SIPs in India have historically delivered 11–13% over 10+ year periods. Use 10–12% for planning; actual returns vary year to year.
What is the minimum SIP amount?
Most mutual funds allow SIPs from ₹100–₹500/month. There’s no real minimum to start building wealth.
Can I pause or stop my SIP?
Yes — pause, stop or step up anytime without penalty in open-ended funds. But stopping during market falls locks in the worst of rupee-cost averaging.
Are SIP returns taxed?
Equity fund gains: 12.5% LTCG above ₹1.25 lakh/year after 1 year; short-term gains taxed at 20%. Debt funds are taxed at your slab rate.
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