SIP Calculator — Monthly SIP Investment Returns & Future Value
💹 Mutual Fund Investment
SIP Calculator
Systematic Investment Plan — Regular & Step-Up SIP Returns
Calculate how much your monthly SIP will grow over time. See the power of compounding with regular investing. Includes Step-Up SIP, lumpsum comparison, and real mutual fund returns.
Monthly SIPStep-Up SIPCAGR Returns
Nifty 50 IndexELSS Tax SavingLumpsum vs SIP
Quick Plan:
SIP Calculator
Monthly SIP Amount
Amount invested every month
₹
₹500₹1 Lakh
Expected Annual Return (CAGR)
Nifty 50 avg ~12%, large cap 12–14%, small cap 15–18%
%
1%30%
Investment Tenure
Longer tenure = exponential compounding growth
Yr
1 yr40 yrs
Enable Step-Up SIP
(annual % increase)
Annual Step-Up %
Increase SIP amount by this % every year
%
1%50%
Estimated Corpus
₹25.23 L
After 15 years at 12% CAGR
Corpus Breakdown
64%
Returns
Wealth Gained
₹16.23 L
Amount Invested
₹9.00 L
Return Rate Spectrum
FD 6–7%LargeCap 12%SmallCap 18%
✨
Compounding Power
Returns = 1.8× Invested
₹1 invested today earns ₹2.8 over 15 yrs
Total Invested
₹9.00 L
₹5,000 × 180 months
Wealth Gained
₹16.23 L
Returns over invested
Final Corpus
₹25.23 L
Invested + Gains
Returns Ratio
2.8×
Corpus ÷ Invested
Step-Up SIP — Year-by-Year Breakdown
| Year | Monthly SIP | Annual Invested | Total Invested | Portfolio Value | Gains |
|---|
Lumpsum Investment Calculator
Lumpsum Amount
One-time investment
₹
Expected Return (CAGR)
%
Tenure (Years)
Yr
Final Value
₹5.47 L
Gains
₹4.47 L
Growth Multiple
5.47×
SIP vs Lumpsum — Side by Side
| Metric | SIP (₹5K/mo) | Lumpsum (₹1L) |
|---|
💡 Note: Both use same 12% CAGR and 15-year tenure. SIP totals ₹9 Lakh invested; lumpsum uses ₹9 Lakh upfront for fair comparison.
📊 Investment Growth Chart (Year-by-Year)
Invested
Returns
Corpus
Amount in ₹ Lakhs · Each bar = 1 year
Load Real Fund Return Rate — Click to Apply
SIP Formula — How Returns Are Calculated
SIP Future Value = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r)
where: P = Monthly SIP, r = Monthly rate (Annual% ÷ 12), n = Total months
Lumpsum FV = P × (1 + Annual Rate)ⁿ
Example: ₹5,000/mo at 12% for 15 yrs = ₹25.23 Lakh corpus on ₹9 Lakh invested
where: P = Monthly SIP, r = Monthly rate (Annual% ÷ 12), n = Total months
Lumpsum FV = P × (1 + Annual Rate)ⁿ
Example: ₹5,000/mo at 12% for 15 yrs = ₹25.23 Lakh corpus on ₹9 Lakh invested
SIP Returns — Historical Performance of Indian Mutual Funds
| Fund Category | 5-Year SIP Returns | 10-Year SIP Returns | 15-Year SIP Returns | Risk Level |
|---|---|---|---|---|
| Nifty 50 Index Fund | ~15–17% | ~13–14% | ~12–13% | Moderate |
| Nifty Midcap 150 Index | ~20–25% | ~16–18% | ~14–16% | High |
| Large Cap Active Funds | ~12–16% | ~12–14% | ~11–13% | Moderate |
| Flexi Cap Funds | ~18–22% | ~14–16% | ~13–15% | Moderate-High |
| Small Cap Funds | ~25–35% | ~16–20% | ~15–18% | Very High |
| ELSS (Tax Saving) | ~14–20% | ~13–15% | ~12–14% | High |
| Debt Funds | ~6–8% | ~7–8% | ~7–8% | Low |
| Bank FD (for comparison) | ~6.5–7% | ~6.5–7% | ~6.5–7% | Very Low |
Past returns are not indicative of future performance. Use 12% as a conservative long-term equity benchmark. Source: AMFI, NSE historical data.
Step-Up SIP vs Regular SIP — The Power of Incremental Investing
| Scenario | Starting SIP | Annual Step-Up | Total Invested (15yr) | Corpus at 12% |
|---|---|---|---|---|
| Regular SIP | ₹5,000/mo | 0% | ₹9.00 Lakh | ₹25.23 Lakh |
| Step-Up SIP 5% | ₹5,000/mo | +5%/yr | ₹11.98 Lakh | ₹32.40 Lakh |
| Step-Up SIP 10% | ₹5,000/mo | +10%/yr | ₹15.97 Lakh | ₹42.16 Lakh |
| Step-Up SIP 15% | ₹5,000/mo | +15%/yr | ₹21.34 Lakh | ₹55.67 Lakh |
How to Become a Crorepati with SIP — Target Corpus Table
| Target Corpus | At 12% for 15yr | At 12% for 20yr | At 15% for 15yr | At 15% for 20yr |
|---|---|---|---|---|
| ₹25 Lakh | ₹5,000/mo | ₹2,000/mo | ₹3,500/mo | ₹1,200/mo |
| ₹50 Lakh | ₹10,000/mo | ₹4,000/mo | ₹7,000/mo | ₹2,400/mo |
| ₹1 Crore | ₹20,000/mo | ₹8,000/mo | ₹14,000/mo | ₹4,800/mo |
| ₹5 Crore | ₹1,00,000/mo | ₹40,000/mo | ₹70,000/mo | ₹24,000/mo |
SIP vs Lumpsum — Which Is Better?
Neither is universally better — it depends on market conditions, your cash flow, and risk tolerance. SIP wins during volatile or falling markets through rupee cost averaging — you buy more units when prices fall. Lumpsum wins when you invest at a market bottom and hold long-term, since 100% of your capital compounds from day one.
For salaried investors, SIP is the natural choice — it fits with monthly income. For investors who receive large bonuses, inheritance, or business profits, combining lumpsum + SIP makes sense. Most financial advisors recommend: invest large windfalls as lumpsum in index funds when markets are not near all-time highs, and maintain ongoing SIP for disciplined monthly savings.
ELSS — Tax-Saving SIP Under Section 80C
ELSS (Equity Linked Savings Scheme) funds are mutual funds with a 3-year lock-in that qualify for tax deduction under Section 80C of the Income Tax Act — up to ₹1.5 Lakh per year. They're the only 80C investment with equity market returns potential. SIP in ELSS means each monthly instalment has its own 3-year lock-in from the date of that investment.
Tax saved = ₹1,50,000 × Your tax slab rate
30% slab: ₹1,50,000 × 30% = ₹45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above ₹1 Lakh per year (post 3 years)
ELSS: Best of both worlds — market returns + Section 80C tax saving
30% slab: ₹1,50,000 × 30% = ₹45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above ₹1 Lakh per year (post 3 years)
ELSS: Best of both worlds — market returns + Section 80C tax saving
Frequently Asked Questions
What is SIP and how does it work?▾
SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month — automatically, via auto-debit from your bank account. Each month, your money buys units of the fund at the prevailing NAV (Net Asset Value). When markets are low, you get more units; when high, fewer units. Over time this "rupee cost averaging" smooths out market volatility. The minimum SIP in most funds is ₹100–500/month, making it accessible to virtually everyone. SIPs can be started, paused, or stopped anytime (except ELSS which has a 3-year lock-in).
Is 12% return on SIP realistic long-term?▾
The Nifty 50 index has delivered approximately 12–14% CAGR over 20+ year rolling periods, making 12% a reasonable long-term benchmark for large cap equity funds. However: (1) This is not guaranteed — markets have multi-year periods of lower returns. (2) Actual SIP returns depend on when you start and end — investors who started SIP in 2007–2008 had to wait years to break even. (3) Actively managed funds have historically struggled to consistently beat the index after fees. Use 10–12% for large cap, 12–15% for flexi/midcap, and be conservative with long-term projections.
What is Step-Up SIP and why should I use it?▾
Step-Up SIP (also called Top-Up SIP) automatically increases your monthly investment by a fixed percentage every year — typically matching your salary increment. If you start ₹5,000/month and step up 10% annually, by year 10 you're investing ₹11,953/month. This is powerful because: (1) Your investments grow with your income. (2) Early years of compounding are preserved. (3) The additional corpus from step-up is dramatic — often 50–100% more than flat SIP over 15–20 years. Most mutual fund platforms including Zerodha, Groww, and MF Central support automatic step-up SIP.
Should I invest in Direct or Regular plan SIP?▾
Always choose Direct plans if you can manage investments yourself. Regular plans have 0.5–1.5% higher expense ratio annually — paid as commission to distributors. On a ₹50 Lakh corpus at 12% for 20 years: Regular plan (13.5% net) = ~₹96 Lakh vs Direct plan (13.5%) = ~₹1.25 Crore — a difference of nearly ₹30 Lakh purely from expense ratio. Direct plans are available on: AMFI's MFCentral, Zerodha Coin, Groww (direct option), and fund house websites directly. If you want professional advice, a fee-only financial advisor charging flat fees + direct funds is better than commission-based regular funds.
What are the tax implications of SIP returns in India?▾
Equity mutual fund SIP returns are taxed as capital gains based on holding period of each instalment. Short-Term Capital Gains (STCG) — units held less than 1 year: 20% tax (revised from 15% in Budget 2024). Long-Term Capital Gains (LTCG) — units held more than 1 year: 12.5% tax on gains above ₹1.25 Lakh per year (revised threshold in Budget 2024). Each SIP instalment has its own holding period — a SIP started 3 years ago and one started last month are taxed differently when redeemed. ELSS funds have 3-year lock-in and LTCG applies after that. Debt mutual fund gains are added to income and taxed at slab rate (no LTCG benefit post-April 2023).
What is the best SIP to start in India in 2025?▾
For beginners: Start with Nifty 50 or Nifty 500 Index Fund (low cost, diversified, zero fund manager risk). For moderate risk: Consider a Flexi Cap or Large & Mid Cap fund. For high risk/reward: Midcap or Small Cap index fund — but only if you can stay invested for 7+ years through volatility. For tax saving: Any ELSS fund (3-year lock-in, 80C benefit). Look for funds with: (1) Direct plan (2) Expense ratio under 0.5% for index, 1–1.5% for active (3) Consistent track record of 5+ years (4) Fund house with strong AUM and reputation. Popular choices: Mirae Asset Large Cap, HDFC Flexi Cap, Parag Parikh Flexi Cap, Axis Midcap, Quant Small Cap.
Is this SIP calculator free?▾
100% free, no signup needed. Includes Regular SIP, Step-Up SIP with year-by-year table, Lumpsum calculator, and SIP vs Lumpsum comparison. Load real fund return rates with one click. Shows year-by-year growth chart, corpus breakdown donut, and compounding power ratio. Works for any currency — designed primarily for Indian investors (INR) but applicable globally.
💹 Mutual Fund Investment
SIP Calculator
Systematic Investment Plan — Regular & Step-Up SIP Returns
Calculate how much your monthly SIP will grow over time. See the power of compounding with regular investing. Includes Step-Up SIP, lumpsum comparison, and real mutual fund returns.
Monthly SIPStep-Up SIPCAGR Returns
Nifty 50 IndexELSS Tax SavingLumpsum vs SIP
Quick Plan:
SIP Calculator
Monthly SIP Amount
Amount invested every month
₹
₹500₹1 Lakh
Expected Annual Return (CAGR)
Nifty 50 avg ~12%, large cap 12–14%, small cap 15–18%
%
1%30%
Investment Tenure
Longer tenure = exponential compounding growth
Yr
1 yr40 yrs
Enable Step-Up SIP
(annual % increase)
Annual Step-Up %
Increase SIP amount by this % every year
%
1%50%
Estimated Corpus
₹25.23 L
After 15 years at 12% CAGR
Corpus Breakdown
64%
Returns
Wealth Gained
₹16.23 L
Amount Invested
₹9.00 L
Return Rate Spectrum
FD 6–7%LargeCap 12%SmallCap 18%
✨
Compounding Power
Returns = 1.8× Invested
₹1 invested today earns ₹2.8 over 15 yrs
Total Invested
₹9.00 L
₹5,000 × 180 months
Wealth Gained
₹16.23 L
Returns over invested
Final Corpus
₹25.23 L
Invested + Gains
Returns Ratio
2.8×
Corpus ÷ Invested
Step-Up SIP — Year-by-Year Breakdown
| Year | Monthly SIP | Annual Invested | Total Invested | Portfolio Value | Gains |
|---|
Lumpsum Investment Calculator
Lumpsum Amount
One-time investment
₹
Expected Return (CAGR)
%
Tenure (Years)
Yr
Final Value
₹5.47 L
Gains
₹4.47 L
Growth Multiple
5.47×
SIP vs Lumpsum — Side by Side
| Metric | SIP (₹5K/mo) | Lumpsum (₹1L) |
|---|
💡 Note: Both use same 12% CAGR and 15-year tenure. SIP totals ₹9 Lakh invested; lumpsum uses ₹9 Lakh upfront for fair comparison.
📊 Investment Growth Chart (Year-by-Year)
Invested
Returns
Corpus
Amount in ₹ Lakhs · Each bar = 1 year
Load Real Fund Return Rate — Click to Apply
SIP Formula — How Returns Are Calculated
SIP Future Value = P × [((1 + r)ⁿ − 1) ÷ r] × (1 + r)
where: P = Monthly SIP, r = Monthly rate (Annual% ÷ 12), n = Total months
Lumpsum FV = P × (1 + Annual Rate)ⁿ
Example: ₹5,000/mo at 12% for 15 yrs = ₹25.23 Lakh corpus on ₹9 Lakh invested
where: P = Monthly SIP, r = Monthly rate (Annual% ÷ 12), n = Total months
Lumpsum FV = P × (1 + Annual Rate)ⁿ
Example: ₹5,000/mo at 12% for 15 yrs = ₹25.23 Lakh corpus on ₹9 Lakh invested
SIP Returns — Historical Performance of Indian Mutual Funds
| Fund Category | 5-Year SIP Returns | 10-Year SIP Returns | 15-Year SIP Returns | Risk Level |
|---|---|---|---|---|
| Nifty 50 Index Fund | ~15–17% | ~13–14% | ~12–13% | Moderate |
| Nifty Midcap 150 Index | ~20–25% | ~16–18% | ~14–16% | High |
| Large Cap Active Funds | ~12–16% | ~12–14% | ~11–13% | Moderate |
| Flexi Cap Funds | ~18–22% | ~14–16% | ~13–15% | Moderate-High |
| Small Cap Funds | ~25–35% | ~16–20% | ~15–18% | Very High |
| ELSS (Tax Saving) | ~14–20% | ~13–15% | ~12–14% | High |
| Debt Funds | ~6–8% | ~7–8% | ~7–8% | Low |
| Bank FD (for comparison) | ~6.5–7% | ~6.5–7% | ~6.5–7% | Very Low |
Past returns are not indicative of future performance. Use 12% as a conservative long-term equity benchmark. Source: AMFI, NSE historical data.
Step-Up SIP vs Regular SIP — The Power of Incremental Investing
| Scenario | Starting SIP | Annual Step-Up | Total Invested (15yr) | Corpus at 12% |
|---|---|---|---|---|
| Regular SIP | ₹5,000/mo | 0% | ₹9.00 Lakh | ₹25.23 Lakh |
| Step-Up SIP 5% | ₹5,000/mo | +5%/yr | ₹11.98 Lakh | ₹32.40 Lakh |
| Step-Up SIP 10% | ₹5,000/mo | +10%/yr | ₹15.97 Lakh | ₹42.16 Lakh |
| Step-Up SIP 15% | ₹5,000/mo | +15%/yr | ₹21.34 Lakh | ₹55.67 Lakh |
How to Become a Crorepati with SIP — Target Corpus Table
| Target Corpus | At 12% for 15yr | At 12% for 20yr | At 15% for 15yr | At 15% for 20yr |
|---|---|---|---|---|
| ₹25 Lakh | ₹5,000/mo | ₹2,000/mo | ₹3,500/mo | ₹1,200/mo |
| ₹50 Lakh | ₹10,000/mo | ₹4,000/mo | ₹7,000/mo | ₹2,400/mo |
| ₹1 Crore | ₹20,000/mo | ₹8,000/mo | ₹14,000/mo | ₹4,800/mo |
| ₹5 Crore | ₹1,00,000/mo | ₹40,000/mo | ₹70,000/mo | ₹24,000/mo |
SIP vs Lumpsum — Which Is Better?
Neither is universally better — it depends on market conditions, your cash flow, and risk tolerance. SIP wins during volatile or falling markets through rupee cost averaging — you buy more units when prices fall. Lumpsum wins when you invest at a market bottom and hold long-term, since 100% of your capital compounds from day one.
For salaried investors, SIP is the natural choice — it fits with monthly income. For investors who receive large bonuses, inheritance, or business profits, combining lumpsum + SIP makes sense. Most financial advisors recommend: invest large windfalls as lumpsum in index funds when markets are not near all-time highs, and maintain ongoing SIP for disciplined monthly savings.
ELSS — Tax-Saving SIP Under Section 80C
ELSS (Equity Linked Savings Scheme) funds are mutual funds with a 3-year lock-in that qualify for tax deduction under Section 80C of the Income Tax Act — up to ₹1.5 Lakh per year. They're the only 80C investment with equity market returns potential. SIP in ELSS means each monthly instalment has its own 3-year lock-in from the date of that investment.
Tax saved = ₹1,50,000 × Your tax slab rate
30% slab: ₹1,50,000 × 30% = ₹45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above ₹1 Lakh per year (post 3 years)
ELSS: Best of both worlds — market returns + Section 80C tax saving
30% slab: ₹1,50,000 × 30% = ₹45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above ₹1 Lakh per year (post 3 years)
ELSS: Best of both worlds — market returns + Section 80C tax saving
Frequently Asked Questions
What is SIP and how does it work?▾
SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month — automatically, via auto-debit from your bank account. Each month, your money buys units of the fund at the prevailing NAV (Net Asset Value). When markets are low, you get more units; when high, fewer units. Over time this "rupee cost averaging" smooths out market volatility. The minimum SIP in most funds is ₹100–500/month, making it accessible to virtually everyone. SIPs can be started, paused, or stopped anytime (except ELSS which has a 3-year lock-in).
Is 12% return on SIP realistic long-term?▾
The Nifty 50 index has delivered approximately 12–14% CAGR over 20+ year rolling periods, making 12% a reasonable long-term benchmark for large cap equity funds. However: (1) This is not guaranteed — markets have multi-year periods of lower returns. (2) Actual SIP returns depend on when you start and end — investors who started SIP in 2007–2008 had to wait years to break even. (3) Actively managed funds have historically struggled to consistently beat the index after fees. Use 10–12% for large cap, 12–15% for flexi/midcap, and be conservative with long-term projections.
What is Step-Up SIP and why should I use it?▾
Step-Up SIP (also called Top-Up SIP) automatically increases your monthly investment by a fixed percentage every year — typically matching your salary increment. If you start ₹5,000/month and step up 10% annually, by year 10 you're investing ₹11,953/month. This is powerful because: (1) Your investments grow with your income. (2) Early years of compounding are preserved. (3) The additional corpus from step-up is dramatic — often 50–100% more than flat SIP over 15–20 years. Most mutual fund platforms including Zerodha, Groww, and MF Central support automatic step-up SIP.
Should I invest in Direct or Regular plan SIP?▾
Always choose Direct plans if you can manage investments yourself. Regular plans have 0.5–1.5% higher expense ratio annually — paid as commission to distributors. On a ₹50 Lakh corpus at 12% for 20 years: Regular plan (13.5% net) = ~₹96 Lakh vs Direct plan (13.5%) = ~₹1.25 Crore — a difference of nearly ₹30 Lakh purely from expense ratio. Direct plans are available on: AMFI's MFCentral, Zerodha Coin, Groww (direct option), and fund house websites directly. If you want professional advice, a fee-only financial advisor charging flat fees + direct funds is better than commission-based regular funds.
What are the tax implications of SIP returns in India?▾
Equity mutual fund SIP returns are taxed as capital gains based on holding period of each instalment. Short-Term Capital Gains (STCG) — units held less than 1 year: 20% tax (revised from 15% in Budget 2024). Long-Term Capital Gains (LTCG) — units held more than 1 year: 12.5% tax on gains above ₹1.25 Lakh per year (revised threshold in Budget 2024). Each SIP instalment has its own holding period — a SIP started 3 years ago and one started last month are taxed differently when redeemed. ELSS funds have 3-year lock-in and LTCG applies after that. Debt mutual fund gains are added to income and taxed at slab rate (no LTCG benefit post-April 2023).
What is the best SIP to start in India in 2025?▾
For beginners: Start with Nifty 50 or Nifty 500 Index Fund (low cost, diversified, zero fund manager risk). For moderate risk: Consider a Flexi Cap or Large & Mid Cap fund. For high risk/reward: Midcap or Small Cap index fund — but only if you can stay invested for 7+ years through volatility. For tax saving: Any ELSS fund (3-year lock-in, 80C benefit). Look for funds with: (1) Direct plan (2) Expense ratio under 0.5% for index, 1–1.5% for active (3) Consistent track record of 5+ years (4) Fund house with strong AUM and reputation. Popular choices: Mirae Asset Large Cap, HDFC Flexi Cap, Parag Parikh Flexi Cap, Axis Midcap, Quant Small Cap.
Is this SIP calculator free?▾
100% free, no signup needed. Includes Regular SIP, Step-Up SIP with year-by-year table, Lumpsum calculator, and SIP vs Lumpsum comparison. Load real fund return rates with one click. Shows year-by-year growth chart, corpus breakdown donut, and compounding power ratio. Works for any currency — designed primarily for Indian investors (INR) but applicable globally.