Rupeemeter

SIP calculator

See what a regular investment could grow to, how much you need to invest for a goal, or how long it will take, with tax and inflation shown.

Updated for FY 2026-27 (tax year 2026-27) ·

How often

Not guaranteed. Past returns of any fund do not predict future returns.

Value after 15 years

₹47,59,314

investing ₹10,000 a month

Invested

Est. returns

Total value

  • Invested₹18,00,000
  • Est. returns₹29,59,314

Year by year

  • Invested
  • Returns
011.9 lakh23.8 lakh35.69 lakh47.59 lakh03691215

What is a SIP?

A systematic investment plan puts a fixed amount into a mutual fund at regular intervals, daily, weekly, monthly or quarterly, instead of all at once. Each instalment buys units at that day’s price.

How to use this calculator

  1. Choose what you want to find: the value of a SIP, the SIP for a goal, or the time to reach a goal.
  2. Pick how often you invest.
  3. Set the amount (or goal), an expected yearly return and the time period.
  4. Turn on tax or inflation to see the value after tax or in today’s rupees.
  5. Switch to the table to see each year, and download it as CSV.

How the calculation works

Value = P × [((1 + i)n − 1) ÷ i] × (1 + i)
i = (1 + yearly return)1/k − 1 · k = instalments a year · n = k × years

Instalments are invested at the start of each period. The yearly return is treated as a compound annual rate.

Worked example

₹10,000 a month for 15 years at 12% a year: you invest ₹18,00,000 and it could grow to ₹47,59,314. If redeemed fully from an equity fund at the end, tax would be about ₹3,69,060, leaving ₹43,90,254.

SIP value at different amounts and periods

Monthly SIP at 12% a year.

Monthly SIP10 years20 years30 years
₹5,000₹11.2 lakh₹45.99 lakh₹1.54 crore
₹10,000₹22.4 lakh₹91.99 lakh₹3.08 crore
₹25,000₹56.01 lakh₹2.3 crore₹7.7 crore

Monthly SIP needed for a goal

At 12% a year.

Goal10 years20 years30 years
₹25 lakh₹11,159₹2,718₹812
₹50 lakh₹22,318₹5,436₹1,623
₹1 crore₹44,636₹10,872₹3,246

SIP vs lumpsum with the same money

₹12 lakh over 10 years at 12%: as a ₹10,000 monthly SIP it grows to ₹22,40,359; invested as a lumpsum on day one it grows to ₹37,27,018. The lumpsum ends higher only because every rupee is invested for the full 10 years, and only if returns hold steady.

Tax on SIP gains

Equity-oriented funds: units held over 12 months are long-term, taxed at 12.5% on total long-term gains above ₹1.25 lakh in a year (section 198); units held 12 months or less are short-term, taxed at 20% (section 196). Cess of 4% is added. The calculator applies this instalment by instalment for a full redemption at the end. It does not apply surcharge, and other fund types are taxed differently.

Assumptions

  • Return stays constant every year; real returns vary and can be negative.
  • Daily SIP: 21 market days a month.
  • No exit loads, expense ratio changes or missed instalments.

Frequently asked questions

Why is this figure lower than some other SIP calculators?

Many calculators divide the yearly return by 12 (12% becomes 1% a month), which actually compounds to about 12.68% a year. We treat the return you enter as the true yearly growth rate, so the results are slightly lower and more conservative.

How does a SIP calculator work?

It adds up each instalment and the growth it earns until the end of the period, assuming a steady yearly return. Real returns rise and fall, so the result is an estimate.

What return should I assume?

Use a rate you are comfortable with and try a lower one too. The calculator does not know any fund’s future returns, and past returns do not predict them.

How is a daily SIP calculated here?

We assume 21 market days a month (252 a year), with an instalment on each market day.

How are SIP gains taxed?

For equity-oriented funds, each instalment is treated separately. Units held more than 12 months give long-term gains, taxed at 12.5% on gains above ₹1.25 lakh a year; units held 12 months or less give short-term gains taxed at 20% (Income-tax Act, 2025, sections 196 and 198). 4% cess applies.

Is a SIP better than a lumpsum?

With the same money and the same return, a lumpsum invested at the start ends higher because all of it is invested for longer. A SIP spreads your entry over time and suits monthly income; neither guarantees a better result.

Does the calculator include inflation?

Turn on “Show value in today’s rupees” and set the inflation rate you expect.