SIP Calculator
Project your wealth growth with precision. Standard SIP, step-up SIP, lump sum and reverse goal planning — built for long-term market discipline.
| Year | Invested | Value | Gain | Gain % |
|---|
Assumptions used in this calculator
- • Monthly compounding for SIP modes, annual compounding for lump sum.
- • Returns are pre-tax and exclude expense ratio, exit load and STT.
- • Step-up applied at the start of each new year.
- • Inflation discounting uses constant annual CPI.
SIP vs PPF vs Fixed Deposit vs Recurring Deposit
Quick reference for the most common monthly savings options Indian investors evaluate alongside a mutual fund SIP.
| Instrument | Typical Return | Lock-in | Tax Treatment | Risk |
|---|---|---|---|---|
| Equity Mutual Fund SIP | 10–14% p.a. | None (ELSS: 3 yrs) | LTCG 12.5% above ₹1.25L | Market-linked |
| PPF | 7.1% p.a. | 15 years | EEE — fully tax-free | Sovereign |
| Fixed Deposit | 6.5–7.5% p.a. | Tenure of FD | Interest taxed at slab | Very low |
| Recurring Deposit | 6–7% p.a. | Tenure of RD | Interest taxed at slab | Very low |
What ₹5,000–₹25,000 monthly SIP actually grows into
How this SIP calculator works
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Because each instalment compounds for a different length of time, the maturity value is calculated using the SIP future value formula:
- P — monthly investment amount
- i — monthly rate of return (annual rate ÷ 12 ÷ 100)
- n — total number of monthly instalments
Glossary — terms you'll see in your fund factsheet
- XIRR
- Extended Internal Rate of Return — annualised return when contributions happen at different times, the right metric for SIPs.
- CAGR
- Compound Annual Growth Rate — annualised return for a single lump-sum investment held over a period.
- Expense Ratio
- Annual fee charged by the fund as a % of AUM, deducted from NAV daily. Lower is better.
- Exit Load
- Fee charged on redemption within a defined holding period, usually 0.5–1% within one year.
- LTCG / STCG
- Long-term and short-term capital gains tax. Equity: LTCG 12.5% above ₹1.25L, STCG 20% (FY 2025-26).
- NAV
- Net Asset Value — per-unit price of the fund, updated end of each business day.
Frequently Asked Questions
What is a SIP calculator?
A SIP calculator estimates the future value of your mutual fund SIP using your monthly investment, expected annual return, and tenure. It shows the total invested, estimated returns and maturity value instantly.
How accurate is the calculator?
The math is exact for the inputs you provide. Real-world returns depend on market performance, expense ratio and exit load, so treat the output as an indicative projection — not a guaranteed outcome.
Should I prefer SIP or lump sum?
SIP averages your purchase price over time and reduces timing risk, suiting salaried investors. Lump sum can outperform during prolonged uptrends but exposes you to entry-point risk. Most long-term investors use a SIP as the default.
How does the goal-based mode work?
Enter the corpus you want to build, the years available and your expected return — the calculator solves for the monthly SIP needed to hit that target using the standard future value formula.
Why use the inflation-adjusted toggle?
₹1 crore in 25 years won't have the same purchasing power as today. The toggle discounts your maturity amount by inflation so you can plan goals in today's rupees — the most honest way to size SIPs.
Are SIP returns taxable?
Yes. Equity funds held over 12 months: LTCG at 12.5% above ₹1.25 lakh per FY. Under 12 months: STCG at 20%. Debt funds are taxed at slab rate from April 2023 onwards.
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Calculations are indicative and for educational purposes only. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Current Affair is not a SEBI-registered investment advisor.