SIP Calculator

Each monthly instalment is compounded at the monthly rate (annual return ÷ 12) for the months it stays invested, with the instalment going in at the start of the month. With no step-up that is the standard formula P × ((1 + r)^n − 1) ÷ r × (1 + r). The year-by-year table is built from the same month-by-month working.

It raises the monthly SIP by that percentage at the start of every year after the first, which is how most fund houses and platforms offer a "top-up SIP". A 10% step-up on ₹5,000 means ₹5,500 in year two, ₹6,050 in year three and so on.

No. Mutual fund returns depend on the market; the rate you enter is an assumption, not a promise. 12% is a common long-run assumption for equity funds and 7% for debt funds, but actual returns vary year to year and the maturity figure here is an estimate only.

Each instalment is a separate purchase with its own holding period. For equity funds, units held over 12 months are long-term: gains above ₹1,25,000 in a year are taxed at 12.5%, and short-term gains at 20%. Debt fund gains are taxed at your slab rate. Use our capital gains calculator for the exact figure.

A lumpsum invested at the start earns for the full period, so it usually ends higher if the market rises steadily. A SIP spreads the entry price over time and suits people investing from monthly income. Compare both with our lumpsum calculator using the same rate and period.