Enter your monthly investment, expected return and tenure. Results update in real time as you adjust the sliders.
How this mode works
Fixed SIP: same monthly amount every month - simplest and most common. Step-Up SIP: amount rises by the chosen % each year (default 10%), matching salary growth and compounding more. Goal Mode: enter the corpus you want and the time you have - the calculator returns the monthly SIP required (with optional step-up).
This is the expected maturity value of your SIP at the assumed return rate.
How your invested amount and corpus value grow side by side each year.
Your corpus, year by year - see exactly how much is your own money vs market gains at every stage.
| Year | Invested (cum.) | Gains (cum.) | Value |
|---|
FY 2026-27 equity fund rules: LTCG 12.5% above Rs 1.25L/yr (held > 12 months); STCG 20% (≤ 12 months). SIPs are usually held long-term, so LTCG is the realistic figure.
Tax applies on redemption, not annually, and only on gains above the exemption. Consult a CA for your exact slab.
What a 10% annual step-up does to the same monthly SIP.
How your corpus changes with a ±2% swing in the assumed return.
| Scenario | Annual Return | Maturity Value | Gains |
|---|
Higher expected returns usually mean more market volatility - a 15% assumption is aggressive, 10% is conservative.
Same total money, both routes - which grows more at a constant rate?
How long your corpus lasts if you withdraw a fixed amount every month while it keeps earning.
| Year | Withdrawn (cum.) | Balance |
|---|
What your future corpus is really worth in today's rupees.
How is SIP return calculated?
SIP returns use the future value of an annuity: FV = P x ((1+i)^n - 1)/i x (1+i), where P is the monthly amount, i is the monthly rate (annual/12), and n is the total months. Each monthly contribution compounds for the time it remains invested.
What return rate should I assume?
For equity mutual funds, 10% (conservative), 12% (moderate) and 15% (aggressive) are standard assumptions. The Nifty 50 has historically returned about 12-13% annualized over 15+ year periods. Past performance does not guarantee future returns.
Is SIP taxable?
Gains are taxed at redemption: LTCG (held > 12 months) at 12.5% above Rs 1.25 lakh/year; STCG at 20%. There is no tax on the invested amount itself.
What is step-up SIP and why use it?
A step-up SIP increases the monthly amount annually (usually 10%). It matches income growth and builds a much larger corpus - the same Rs 10,000/month at 12% for 10 years grows to Rs 23.2L fixed vs Rs 33.7L with a 10% step-up.
How much should my monthly SIP be?
Goal-based planning is best: pick a target corpus and horizon, then use Goal Mode to find the required monthly SIP. As a rule of thumb, 10-15% of monthly income after building a 6-month emergency fund.
Calculations are illustrative and assume a constant rate of return, which never happens in reality. Mutual fund investments are subject to market risks; read all scheme related documents carefully. This tool is not investment advice - consult a SEBI-registered advisor before investing.