Run a conservative scenario before relying on the headline result.
SIP Calculator
Visualise monthly mutual-fund investing and long-term compounding. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Projected value₹1.29 CrUpdates instantly as you edit
Total invested / base₹57.19 L
Growth / cost₹71.78 L
Assumed annual rate12.00%
Projection journeyHover to inspect a year
This is an educational projection based on the assumptions entered above.
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Five smart nudges
Use the result with context.
Review the assumptions after any major change in income, rates or goals.
Keep emergency money separate from long-term investments.
Account for taxes, charges and inflation when comparing options.
Use this estimate to ask better questions, not as a return promise.
Understanding SIP in India
Editorially reviewed 12 July 2026 · Rules and assumptions can change
What a SIP does—and does not do
A systematic investment plan is an instruction to invest a fixed amount into a mutual-fund scheme on recurring dates. It creates discipline and buys more units when NAV is lower and fewer when NAV is higher, but it does not guarantee profit or remove market risk. This calculator compounds each monthly instalment at a smooth assumed return; an actual equity fund can fall sharply, remain flat for years and deliver returns in a very different order.
The fund, direct or regular plan, growth or IDCW option and SIP mandate are separate decisions. Read the scheme information document, total expense ratio, exit load, portfolio and SEBI Riskometer. A SIP is only the payment method; suitability comes from the underlying scheme and the date on which the money is required.
Worked SIP and step-up maths
At an illustrative 12% annualised return, ₹15,000 invested monthly for 15 years produces a smooth projection of roughly ₹75 lakh on contributions of ₹27 lakh. That is not a forecast: at 8% the estimate is closer to ₹52 lakh, while a late market fall can leave the actual value below either path. A 10% annual step-up changes the cash flows as well as the result—the monthly SIP becomes about ₹38,000 in year eleven—so check that future instalments fit expected income.
For a ₹1 crore goal, work backwards from the inflated target rather than choosing 12% because it gives a comfortable answer. Compare 8%, 10% and 12%, then add a time buffer. As the goal approaches, progressively move the amount needed in the next few years to assets whose volatility matches that shorter horizon.
SIP taxation in India
Every SIP instalment is a separate purchase with its own acquisition date and cost. For an equity-oriented fund, units sold within the statutory short-term period can attract section 111A short-term capital-gains tax; units meeting the long-term holding condition fall under section 112A. Under current central guidance, qualifying section 111A gains are taxed at 20%, while qualifying section 112A gains above the annual ₹1.25 lakh threshold are taxed at 12.5%, plus applicable surcharge and cess. Rules depend on fund classification, transaction date and taxpayer facts.
Redemption normally follows the scheme’s unit-allocation method, commonly FIFO for a folio. Stopping a SIP does not itself create tax, but redeeming units can. Exit load may also apply independently of tax. Debt, international, gold and hybrid funds can have different tax treatment, so never transfer the equity-fund rule to every SIP.
Return expectations and selection
Historical index and fund returns are useful for understanding variability, not for selecting one permanent expected rate. Compare rolling periods rather than only a point-to-point return ending after a rally. Use a real return check: 10% nominal growth with 6% inflation is only about 3.8% before tax after applying (1.10/1.06)-1.
Choose the asset category from the goal horizon and risk capacity, then compare costs, tracking difference or investment process within that category. Do not start several overlapping funds merely because each recently topped a ranking. The calculator should answer how much and how long; regulated documents and portfolio analysis answer where.
A SIP review checklist
Confirm the target amount in future rupees, debit date, emergency reserve, nominee, plan option, expense ratio, exit load and Riskometer. Review goal progress annually, not the SIP’s success after every volatile month. Increase the contribution after durable income growth and pause only after checking whether the problem is cash flow, the goal or the chosen scheme.
Keep contract notes and capital-gains statements. Before redemption, map each lot’s holding period and harvest gains only where it fits the overall tax plan. This projection excludes fund expenses, tax, loads and irregular missed instalments unless the stated return assumption is already net of them.
Official sources used for this guide
- SEBI Investor — understanding mutual funds ↗
- SEBI Investor — Riskometer ↗
- Income Tax Department — capital-gains guidance ↗
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
SIP calculator FAQs
Does a SIP guarantee 12%?
No. Twelve per cent is only an editable illustration; mutual-fund returns are market-linked and uneven.
How is each SIP instalment taxed?
Each instalment has its own purchase date and cost. Tax depends on the scheme category, holding period, gain and law on redemption.
Is SIP better than a lump sum?
A SIP matches recurring income and spreads purchase dates. A lump sum puts available money to work sooner but accepts immediate market exposure.
What happens if a SIP is stopped?
Future debits stop; existing units normally remain invested. Stopping is not the same as redeeming.
Should the SIP rise every year?
A step-up can track income growth, but use a rate you can sustain and verify the later-year debit shown by the calculator.