Estimate the future value of your Systematic Investment Plan — instantly and for free.
| Year | Invested So Far | Gains So Far | Portfolio Value |
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A SIP (Systematic Investment Plan) calculator helps you estimate the future value of your recurring mutual fund investments. By investing a fixed amount regularly — monthly, quarterly, or annually — you harness the power of compound interest and rupee cost averaging to build wealth over time.
Our SIP calculator also supports Step-Up SIP, where you increase your investment amount each year. This is a powerful strategy because as your income grows, so does your investment — leading to significantly higher returns over long tenures.
M = P × [(1 + r)ⁿ − 1] / r × (1 + r), where P = monthly investment, r = monthly rate, n = total months.
₹5,000/month at 12% for 20 years grows to ₹49.96 lakh — but you only invested ₹12 lakh. That's 4× your money.
Starting 5 years earlier can double your final corpus. Time in the market is more powerful than timing the market.
Increasing your SIP by just 10% annually can grow your corpus by 50–80% compared to a flat SIP over 15–20 years.
SIPs are ideal for salaried investors who cannot time the market. By investing a fixed amount every month, you buy more units when prices fall and fewer when they rise — a mechanism called rupee/dollar cost averaging that automatically reduces your average cost per unit. Lump sum investments outperform SIPs when you invest at a market low and hold through a sustained rally — but timing that correctly is notoriously difficult. For most investors, SIPs offer a disciplined, lower-stress path to long-term wealth.
A practical rule of thumb: save and invest at least 20% of your take-home income. For a ₹60,000/month salary, that's ₹12,000 — split across goals (retirement, emergency fund, medium-term targets). If 20% feels impossible today, start with ₹1,000 and increase by ₹500 every quarter. The habit matters more than the amount in the early years. Use the step-up feature to model exactly how annual increases compound over your chosen tenure.
Equity mutual fund gains held over 1 year are taxed at 12.5% LTCG (above ₹1.25 lakh/year). Short-term (under 1 year) gains are taxed at 20%. ELSS funds offer 80C deduction up to ₹1.5 lakh with a 3-year lock-in.
Diversified large-cap equity funds: 10–13% p.a. over 10+ years. Mid/small-cap: 12–16% with higher volatility. Balanced/hybrid: 8–10%. Debt funds: 6–8%. Always use conservative estimates — surprises should be pleasant.
₹10,000/month flat for 20 years at 12% → ₹99.9 lakh corpus. With 10% annual step-up, the same period yields ₹1.89 crore — nearly double — while your first-year cost is identical.
Stopping SIPs during market corrections (exactly when you're buying cheap), choosing funds purely on recent 1-year returns, and redeeming before 5+ years — all significantly reduce actual returns versus theoretical ones.
The SIP concept — systematic, recurring investments into a diversified fund — is universally applicable. In the US, automatic index fund contributions to a 401(k) or brokerage account replicate the same mechanics. In the UK, regular contributions to an ISA serve the same purpose. The mathematical advantage of consistent investing regardless of market levels holds across all currencies and markets. Use this calculator with any currency symbol and return rate appropriate to your geography.