SIP Calculator · FY 2026-27

Systematic investing,
monthly compounding.

Project mutual fund SIP returns over any horizon. Optional annual step-up. See invested amount vs estimated wealth gained, instantly.

Last updated: FY 2026-27 / AY 2027-28

Your SIP details

Drag the sliders or type a value. Numbers update instantly.

₹5,000
₹
12.0% p.a.
% p.a.
10 years
years
0%
% / year
Bump your monthly SIP by this % each year (matches typical salary growth).
Quick scenarios
Maturity value ₹0

How SIP returns are calculated

A SIP invests a fixed amount every month. Each instalment earns compound interest from the date it's invested. The formula:

FV = M × [((1 + r)n − 1) / r] × (1 + r)
  • M - monthly investment
  • r - monthly return rate (annual rate ÷ 12 ÷ 100)
  • n - number of months

Step-up SIP

A step-up SIP raises your monthly investment by a fixed % every year - usually tracking salary growth. A 10% step-up on a ₹10k SIP becomes ₹11k in year 2, ₹12.1k in year 3, and so on. Over 20 years, this can grow your final corpus by 50–70% versus a flat SIP.

What returns to assume

  • Large-cap equity SIP - 10–12% over 10+ years
  • Flexi-cap / multi-cap - 12–14% over 10+ years
  • Mid-cap / small-cap - 14–18%, higher volatility
  • Hybrid funds - 8–11%
  • ELSS (tax-saver) - 12–14%, qualifies for 80C, 3-yr lock-in

Tax on SIP returns (post-Budget 2024)

  • Equity SIP LTCG - held over 1 year, gains above ₹1.25L/year at 12.5% + 4% cess
  • Equity SIP STCG - under 1 year, 20%
  • Each SIP instalment is treated separately for the 1-year holding test
Common questions

Frequently asked questions

What is a SIP?

A Systematic Investment Plan invests a fixed amount in a mutual fund every month on a chosen date. The monthly cadence averages your purchase price across market ups and downs (rupee-cost averaging), and the long horizon lets compounding do the heavy lifting.

How much should I SIP monthly?

A common rule of thumb is 15–25% of your monthly income for long-term goals. Start with what's comfortable - even ₹500/month builds the habit. Step up by 10–15% each year as income grows; the long-run impact is dramatic.

What's a realistic return assumption?

For diversified equity SIPs in India, 12% over 10+ years has been the long-run average. Be a bit conservative - 11% - for planning, since past returns don't guarantee future ones.

Is SIP better than lumpsum?

SIP is better when markets are volatile or expensive, and for salaried investors with regular cash flow. Lumpsum is better when markets are clearly undervalued and you have surplus cash. Over long periods both work - the bigger driver is staying invested.

What is a step-up SIP?

Step-up SIPs raise your monthly investment by a fixed percentage each year. A 10% step-up means ₹10,000 in year 1 becomes ₹11,000 in year 2, ₹12,100 in year 3, etc. Over 20 years this can grow your corpus by 50–70% versus a flat SIP, since the higher instalments still get years of compounding.

Can I stop or pause my SIP?

Yes - SIPs can be paused, modified, or stopped anytime online via your AMC, broker, or BSE/MFU. There's no exit penalty (except ELSS, which has a 3-year lock-in per instalment).

Go deeper

Related guides & scenarios

SIP scenarios

Related calculators

Guides

Try another calculator

Mutual fund lumpsum, PPF & NPS - same instant-result experience.

Mutual fund PPF calculator NPS calculator
Disclaimer: SIP returns shown are projections based on your assumed annual return. Actual returns depend on market performance, fund manager skill, expense ratio, exit loads, and taxes. Past performance does not guarantee future results. Please consult a SEBI-registered investment advisor before investing.