SIP Calculator
Growth year by year
Dark bars are the money you put in. Maroon bars are the gains on top of it.
What if the market does worse?
Check your plan against a weaker and a stronger market than you expect.
Year-by-year growth
See what you put in, what it earned and what it is worth at the end of each year. The last two columns show the weak and strong market results.
| Year | Monthly instalment | Invested in year | Total invested | Returns in year | Total returns | Growth in year | Total value | Weak market | Strong market |
|---|
Save your results
Download the inputs, results, scenarios and the full year-wise table.
Investment | November 2, 2026 | By Mahesh
A SIP (Systematic Investment Plan) means you invest a fixed amount every month in a mutual fund. This calculator shows what that money could become. For example, ₹10,000 a month for 15 years at 12% a year grows to about ₹50.46 lakh, while you put in only ₹18 lakh.
- You invest the same amount every month, and your gains also start earning returns. This is called compounding.
- The longer you stay invested, the faster the money grows. Staying 30 years instead of 15 gives about ₹3.53 crore from the same ₹10,000 a month.
- In India, profit on equity funds held for more than 1 year is taxed at 12.5% on the part above ₹1.25 lakh in a year [1].
How the calculator works
The calculator turns your yearly return into a monthly return and adds each month's investment to the growing total. It uses this standard formula [3]:
i is the monthly return (yearly return ÷ 12 ÷ 100) and n is the number of months. You do not need to do this maths yourself. The calculator does it for you.
Step-Up SIP raises your monthly amount by a fixed percentage every year. Lumpsum means one single investment that grows for the full period.
Worked example: ₹10,000 a month for 15 years
Follow these 8 simple steps to see how every number is created. The button loads the same example into the calculator above.
i = 12 / 12 / 100 = 0.01 (1% a month). Number of months n = 15 × 12 = 180.M = 10,000 × ((1.01^180 − 1) / 0.01) × 1.01. Here 1.01^180 is about 5.9958, so the bracket is about 499.58 and the product with 1.01 is about 504.58. M = ₹50,45,760.18,00,000 × 1.12^15 ends at ₹98,52,418, because all the money is invested from day one.Every figure above is an estimate based on the return you assume. Actual mutual fund returns vary from year to year and are not guaranteed.
How the same SIP grows over time
This table shows ₹10,000 a month at 12% a year. See how the gain becomes larger than the amount you invested as the years go by.
| Years | Invested | Est. returns | Total value |
|---|
What if the market does worse?
Markets do not give the same return every year. The test above lowers your yearly return by 3% (you can change this) and shows the result. In our example, 12% becomes 9% and the final value drops from ₹50.46 lakh to ₹38.12 lakh, about 24% less. Treat the weak-market number as a safer planning figure, but remember that real results can be even lower.
How is the profit taxed in India?
If you sell equity fund units after holding them for more than 1 year, profit above ₹1.25 lakh in a financial year is taxed at 12.5%. If you sell within 1 year, the profit is taxed at 20%. These rates apply from July 23, 2024 [1][2]. Each monthly instalment has its own holding period, so older instalments may be long-term while newer ones are still short-term.
Frequently asked questions
What is a SIP?
A SIP lets you invest a small fixed amount in a mutual fund every month, instead of investing a large amount at once [3].
Are the results guaranteed?
No. The calculator uses the return you type in. Real fund returns go up and down with the market.
What is a Step-Up SIP?
It is a SIP where you increase your monthly amount every year, for example by 10%, as your income grows.
Which is better, SIP or lumpsum?
A SIP spreads your investment over many months, which is easier on your budget. A lumpsum invests everything on day one. Use the tabs above to compare both for the same years and return.
Disclosure: This calculator is an educational tool and not investment advice. Mutual fund investments are subject to market risk. Read all scheme related documents carefully.
Sources
- DSP Investment Managers. "STCG and LTCG Rules in India," Knowledge Hub. dspim.com
- Tata Mutual Fund. "Tax Efficiency: The 12.5% Advantage." tatamutualfund.com
- Association of Mutual Funds in India (AMFI). "Mutual Fund," investor articles. amfiindia.com
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