SIP Calculator
Calculate the future value of your SIP investments and see how small monthly amounts grow over time.
Year-wise Growth
| Year | Amount Invested | Corpus Value | Gain |
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Return Comparison
What ₹1,000/month becomes over 10 years at different return rates
| Annual Return | Total Invested | Maturity Value | Wealth Gained |
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How SIP returns are calculated
SIP uses the power of compounding — each monthly investment earns returns not just on the principal but on accumulated returns too.
Tips to maximize SIP returns
Starting 5 years earlier can more than double your final corpus thanks to compounding. Time in market beats timing the market.
Increase your SIP by 10–15% every year (step-up SIP) to align with income growth. This dramatically boosts your maturity corpus.
Don't stop SIPs during market downturns — that's when you accumulate the most units at lower NAVs, setting up for higher gains when markets recover.
Frequently asked questions
Is the SIP return of 12% realistic?
Large-cap equity mutual funds in India have historically delivered 10–13% CAGR over long periods (10+ years). Mid-cap and small-cap funds have delivered 13–18% but with higher volatility. 12% is a reasonable long-term estimate for a diversified equity fund, but past returns do not guarantee future performance.
What is the minimum SIP amount?
Most mutual funds allow SIPs starting from ₹100–₹500 per month. Some funds have a minimum of ₹1,000. There is no maximum limit on SIP investments.
Is SIP income taxable?
Yes. Each SIP instalment is treated as a separate investment. For equity funds, gains on units held less than 1 year are taxed at 20% (STCG) and gains on units held more than 1 year are taxed at 12.5% above ₹1.25 lakh (LTCG). For debt funds, gains are added to income and taxed at your slab rate.
Can I pause or stop a SIP?
Yes. You can pause a SIP for 1–3 months (most fund houses allow this) or stop it entirely without any penalty. Stopping a SIP does not redeem your existing units — they remain invested and continue to grow.
What is the difference between SIP and lumpsum investment?
SIP involves investing a fixed amount every month, which averages out market volatility (rupee cost averaging). Lumpsum means investing a large amount at once — better when markets are at a low, but riskier due to timing. For most retail investors, SIP is recommended for disciplined, long-term wealth creation.