SIP Calculator β Monthly SIP Investment Returns & Future Value
πΉ Mutual Fund Investment
SIP Calculator
Systematic Investment Plan β 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
βΉ
βΉ500βΉ1 Lakh
Expected Annual Return (CAGR)
Nifty 50 avg ~12%, large cap 12β14%, small cap 15β18%
%
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
βΉ25.23 L
After 15 years at 12% CAGR
Corpus Breakdown
64%
Returns
Wealth Gained
βΉ16.23 L
Amount Invested
βΉ9.00 L
Return Rate Spectrum
FD 6β7%LargeCap 12%SmallCap 18%
β¨
Compounding Power
Returns = 1.8Γ Invested
βΉ1 invested today earns βΉ2.8 over 15 yrs
Total Invested
βΉ9.00 L
βΉ5,000 Γ 180 months
Wealth Gained
βΉ16.23 L
Returns over invested
Final Corpus
βΉ25.23 L
Invested + Gains
Returns Ratio
2.8Γ
Corpus Γ· Invested
Step-Up SIP β Year-by-Year Breakdown
| Year | Monthly SIP | Annual Invested | Total Invested | Portfolio Value | Gains |
|---|
Lumpsum Investment Calculator
Lumpsum Amount
One-time investment
βΉ
Expected Return (CAGR)
%
Tenure (Years)
Yr
Final Value
βΉ5.47 L
Gains
βΉ4.47 L
Growth Multiple
5.47Γ
SIP vs Lumpsum β Side by Side
| Metric | SIP (βΉ5K/mo) | Lumpsum (βΉ1L) |
|---|
π‘ Note: Both use same 12% CAGR and 15-year tenure. SIP totals βΉ9 Lakh invested; lumpsum uses βΉ9 Lakh upfront for fair comparison.
π Investment Growth Chart (Year-by-Year)
Invested
Returns
Corpus
Amount in βΉ Lakhs Β· Each bar = 1 year
Load Real Fund Return Rate β Click to Apply
SIP Formula β How Returns Are Calculated
SIP Future Value = P Γ [((1 + r)βΏ β 1) Γ· r] Γ (1 + r)
where: P = Monthly SIP, r = Monthly rate (Annual% Γ· 12), n = Total months
Lumpsum FV = P Γ (1 + Annual Rate)βΏ
Example: βΉ5,000/mo at 12% for 15 yrs = βΉ25.23 Lakh corpus on βΉ9 Lakh invested
where: P = Monthly SIP, r = Monthly rate (Annual% Γ· 12), n = Total months
Lumpsum FV = P Γ (1 + Annual Rate)βΏ
Example: βΉ5,000/mo at 12% for 15 yrs = βΉ25.23 Lakh corpus on βΉ9 Lakh invested
SIP Returns β 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 | ~15β17% | ~13β14% | ~12β13% | Moderate |
| Nifty Midcap 150 Index | ~20β25% | ~16β18% | ~14β16% | High |
| Large Cap Active Funds | ~12β16% | ~12β14% | ~11β13% | Moderate |
| Flexi Cap Funds | ~18β22% | ~14β16% | ~13β15% | Moderate-High |
| Small Cap Funds | ~25β35% | ~16β20% | ~15β18% | Very High |
| ELSS (Tax Saving) | ~14β20% | ~13β15% | ~12β14% | High |
| Debt Funds | ~6β8% | ~7β8% | ~7β8% | Low |
| Bank FD (for comparison) | ~6.5β7% | ~6.5β7% | ~6.5β7% | 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 β The Power of Incremental Investing
| Scenario | Starting SIP | Annual Step-Up | Total Invested (15yr) | Corpus at 12% |
|---|---|---|---|---|
| Regular SIP | βΉ5,000/mo | 0% | βΉ9.00 Lakh | βΉ25.23 Lakh |
| Step-Up SIP 5% | βΉ5,000/mo | +5%/yr | βΉ11.98 Lakh | βΉ32.40 Lakh |
| Step-Up SIP 10% | βΉ5,000/mo | +10%/yr | βΉ15.97 Lakh | βΉ42.16 Lakh |
| Step-Up SIP 15% | βΉ5,000/mo | +15%/yr | βΉ21.34 Lakh | βΉ55.67 Lakh |
How to Become a Crorepati with SIP β Target Corpus Table
| Target Corpus | At 12% for 15yr | At 12% for 20yr | At 15% for 15yr | At 15% for 20yr |
|---|---|---|---|---|
| βΉ25 Lakh | βΉ5,000/mo | βΉ2,000/mo | βΉ3,500/mo | βΉ1,200/mo |
| βΉ50 Lakh | βΉ10,000/mo | βΉ4,000/mo | βΉ7,000/mo | βΉ2,400/mo |
| βΉ1 Crore | βΉ20,000/mo | βΉ8,000/mo | βΉ14,000/mo | βΉ4,800/mo |
| βΉ5 Crore | βΉ1,00,000/mo | βΉ40,000/mo | βΉ70,000/mo | βΉ24,000/mo |
SIP vs Lumpsum β Which Is Better?
Neither is universally better β it depends on market conditions, your cash flow, and risk tolerance. SIP wins during volatile or falling markets through rupee cost averaging β 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 β 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 β 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 β up to βΉ1.5 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 = βΉ1,50,000 Γ Your tax slab rate
30% slab: βΉ1,50,000 Γ 30% = βΉ45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above βΉ1 Lakh per year (post 3 years)
ELSS: Best of both worlds β market returns + Section 80C tax saving
30% slab: βΉ1,50,000 Γ 30% = βΉ45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above βΉ1 Lakh per year (post 3 years)
ELSS: Best of both worlds β market returns + Section 80C tax saving
Frequently Asked Questions
What is SIP and how does it work?βΎ
SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month β 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 βΉ100β500/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?βΎ
The Nifty 50 index has delivered approximately 12β14% CAGR over 20+ year rolling periods, making 12% a reasonable long-term benchmark for large cap equity funds. However: (1) This is not guaranteed β markets have multi-year periods of lower returns. (2) Actual SIP returns depend on when you start and end β investors who started SIP in 2007β2008 had to wait years to break even. (3) Actively managed funds have historically struggled to consistently beat the index after fees. Use 10β12% for large cap, 12β15% for flexi/midcap, and be conservative with long-term projections.
What is Step-Up SIP and why should I use it?βΎ
Step-Up SIP (also called Top-Up SIP) automatically increases your monthly investment by a fixed percentage every year β typically matching your salary increment. If you start βΉ5,000/month and step up 10% annually, by year 10 you're investing βΉ11,953/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 β often 50β100% more than flat SIP over 15β20 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?βΎ
Always choose Direct plans if you can manage investments yourself. Regular plans have 0.5β1.5% higher expense ratio annually β paid as commission to distributors. On a βΉ50 Lakh corpus at 12% for 20 years: Regular plan (13.5% net) = ~βΉ96 Lakh vs Direct plan (13.5%) = ~βΉ1.25 Crore β a difference of nearly βΉ30 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?βΎ
Equity mutual fund SIP returns are taxed as capital gains based on holding period of each instalment. Short-Term Capital Gains (STCG) β units held less than 1 year: 20% tax (revised from 15% in Budget 2024). Long-Term Capital Gains (LTCG) β units held more than 1 year: 12.5% tax on gains above βΉ1.25 Lakh per year (revised threshold in Budget 2024). Each SIP instalment has its own holding period β 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?βΎ
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 β 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, 1β1.5% 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?βΎ
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 β designed primarily for Indian investors (INR) but applicable globally.
πΉ Mutual Fund Investment
SIP Calculator
Systematic Investment Plan β 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
βΉ
βΉ500βΉ1 Lakh
Expected Annual Return (CAGR)
Nifty 50 avg ~12%, large cap 12β14%, small cap 15β18%
%
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
βΉ25.23 L
After 15 years at 12% CAGR
Corpus Breakdown
64%
Returns
Wealth Gained
βΉ16.23 L
Amount Invested
βΉ9.00 L
Return Rate Spectrum
FD 6β7%LargeCap 12%SmallCap 18%
β¨
Compounding Power
Returns = 1.8Γ Invested
βΉ1 invested today earns βΉ2.8 over 15 yrs
Total Invested
βΉ9.00 L
βΉ5,000 Γ 180 months
Wealth Gained
βΉ16.23 L
Returns over invested
Final Corpus
βΉ25.23 L
Invested + Gains
Returns Ratio
2.8Γ
Corpus Γ· Invested
Step-Up SIP β Year-by-Year Breakdown
| Year | Monthly SIP | Annual Invested | Total Invested | Portfolio Value | Gains |
|---|
Lumpsum Investment Calculator
Lumpsum Amount
One-time investment
βΉ
Expected Return (CAGR)
%
Tenure (Years)
Yr
Final Value
βΉ5.47 L
Gains
βΉ4.47 L
Growth Multiple
5.47Γ
SIP vs Lumpsum β Side by Side
| Metric | SIP (βΉ5K/mo) | Lumpsum (βΉ1L) |
|---|
π‘ Note: Both use same 12% CAGR and 15-year tenure. SIP totals βΉ9 Lakh invested; lumpsum uses βΉ9 Lakh upfront for fair comparison.
π Investment Growth Chart (Year-by-Year)
Invested
Returns
Corpus
Amount in βΉ Lakhs Β· Each bar = 1 year
Load Real Fund Return Rate β Click to Apply
SIP Formula β How Returns Are Calculated
SIP Future Value = P Γ [((1 + r)βΏ β 1) Γ· r] Γ (1 + r)
where: P = Monthly SIP, r = Monthly rate (Annual% Γ· 12), n = Total months
Lumpsum FV = P Γ (1 + Annual Rate)βΏ
Example: βΉ5,000/mo at 12% for 15 yrs = βΉ25.23 Lakh corpus on βΉ9 Lakh invested
where: P = Monthly SIP, r = Monthly rate (Annual% Γ· 12), n = Total months
Lumpsum FV = P Γ (1 + Annual Rate)βΏ
Example: βΉ5,000/mo at 12% for 15 yrs = βΉ25.23 Lakh corpus on βΉ9 Lakh invested
SIP Returns β 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 | ~15β17% | ~13β14% | ~12β13% | Moderate |
| Nifty Midcap 150 Index | ~20β25% | ~16β18% | ~14β16% | High |
| Large Cap Active Funds | ~12β16% | ~12β14% | ~11β13% | Moderate |
| Flexi Cap Funds | ~18β22% | ~14β16% | ~13β15% | Moderate-High |
| Small Cap Funds | ~25β35% | ~16β20% | ~15β18% | Very High |
| ELSS (Tax Saving) | ~14β20% | ~13β15% | ~12β14% | High |
| Debt Funds | ~6β8% | ~7β8% | ~7β8% | Low |
| Bank FD (for comparison) | ~6.5β7% | ~6.5β7% | ~6.5β7% | 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 β The Power of Incremental Investing
| Scenario | Starting SIP | Annual Step-Up | Total Invested (15yr) | Corpus at 12% |
|---|---|---|---|---|
| Regular SIP | βΉ5,000/mo | 0% | βΉ9.00 Lakh | βΉ25.23 Lakh |
| Step-Up SIP 5% | βΉ5,000/mo | +5%/yr | βΉ11.98 Lakh | βΉ32.40 Lakh |
| Step-Up SIP 10% | βΉ5,000/mo | +10%/yr | βΉ15.97 Lakh | βΉ42.16 Lakh |
| Step-Up SIP 15% | βΉ5,000/mo | +15%/yr | βΉ21.34 Lakh | βΉ55.67 Lakh |
How to Become a Crorepati with SIP β Target Corpus Table
| Target Corpus | At 12% for 15yr | At 12% for 20yr | At 15% for 15yr | At 15% for 20yr |
|---|---|---|---|---|
| βΉ25 Lakh | βΉ5,000/mo | βΉ2,000/mo | βΉ3,500/mo | βΉ1,200/mo |
| βΉ50 Lakh | βΉ10,000/mo | βΉ4,000/mo | βΉ7,000/mo | βΉ2,400/mo |
| βΉ1 Crore | βΉ20,000/mo | βΉ8,000/mo | βΉ14,000/mo | βΉ4,800/mo |
| βΉ5 Crore | βΉ1,00,000/mo | βΉ40,000/mo | βΉ70,000/mo | βΉ24,000/mo |
SIP vs Lumpsum β Which Is Better?
Neither is universally better β it depends on market conditions, your cash flow, and risk tolerance. SIP wins during volatile or falling markets through rupee cost averaging β 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 β 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 β 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 β up to βΉ1.5 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 = βΉ1,50,000 Γ Your tax slab rate
30% slab: βΉ1,50,000 Γ 30% = βΉ45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above βΉ1 Lakh per year (post 3 years)
ELSS: Best of both worlds β market returns + Section 80C tax saving
30% slab: βΉ1,50,000 Γ 30% = βΉ45,000 saved per year
LTCG Tax on ELSS gains: 10% on gains above βΉ1 Lakh per year (post 3 years)
ELSS: Best of both worlds β market returns + Section 80C tax saving
Frequently Asked Questions
What is SIP and how does it work?βΎ
SIP (Systematic Investment Plan) lets you invest a fixed amount in a mutual fund every month β 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 βΉ100β500/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?βΎ
The Nifty 50 index has delivered approximately 12β14% CAGR over 20+ year rolling periods, making 12% a reasonable long-term benchmark for large cap equity funds. However: (1) This is not guaranteed β markets have multi-year periods of lower returns. (2) Actual SIP returns depend on when you start and end β investors who started SIP in 2007β2008 had to wait years to break even. (3) Actively managed funds have historically struggled to consistently beat the index after fees. Use 10β12% for large cap, 12β15% for flexi/midcap, and be conservative with long-term projections.
What is Step-Up SIP and why should I use it?βΎ
Step-Up SIP (also called Top-Up SIP) automatically increases your monthly investment by a fixed percentage every year β typically matching your salary increment. If you start βΉ5,000/month and step up 10% annually, by year 10 you're investing βΉ11,953/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 β often 50β100% more than flat SIP over 15β20 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?βΎ
Always choose Direct plans if you can manage investments yourself. Regular plans have 0.5β1.5% higher expense ratio annually β paid as commission to distributors. On a βΉ50 Lakh corpus at 12% for 20 years: Regular plan (13.5% net) = ~βΉ96 Lakh vs Direct plan (13.5%) = ~βΉ1.25 Crore β a difference of nearly βΉ30 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?βΎ
Equity mutual fund SIP returns are taxed as capital gains based on holding period of each instalment. Short-Term Capital Gains (STCG) β units held less than 1 year: 20% tax (revised from 15% in Budget 2024). Long-Term Capital Gains (LTCG) β units held more than 1 year: 12.5% tax on gains above βΉ1.25 Lakh per year (revised threshold in Budget 2024). Each SIP instalment has its own holding period β 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?βΎ
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 β 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, 1β1.5% 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?βΎ
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 β designed primarily for Indian investors (INR) but applicable globally.