SIP Calculator

A SIP is a method of investing a fixed sum in a mutual fund regularly — monthly or quarterly. It helps build wealth through rupee cost averaging and the power of compounding.

SIP returns are calculated using the future value formula for recurring investments: FV = P × [(1+r)^n – 1]/r × (1+r), where P is monthly investment, r is monthly rate, and n is number of months.

Historically, large-cap equity mutual funds in India have delivered 10–14% CAGR over 10+ years. Index funds tracking Nifty 50 have averaged ~12%. Debt funds deliver 6–8%.

Yes. For equity mutual funds, LTCG (Long Term Capital Gains) above ₹1.25 lakh is taxed at 12.5% (post-Budget 2024). Each SIP instalment is treated as a separate investment with its own holding period.

Yes. Most mutual fund houses in India allow SIPs starting from ₹100–₹500 per month. Apps like Groww, Zerodha Coin, and ET Money offer zero-commission SIPs.

A Step-Up SIP (or top-up SIP) increases your monthly investment amount annually by a fixed percentage — typically 10–15%. This accounts for salary growth and accelerates wealth creation.

This calculator uses the standard SIP formula verified by AMFI (Association of Mutual Funds in India). Results are projections — actual returns depend on market performance and fund selection.

CAGR (Compound Annual Growth Rate) measures lump sum investment growth. SIP returns are measured by XIRR (Extended Internal Rate of Return) since each instalment is invested at different times.