SIP Calculator

Estimate your mutual fund SIP corpus, or find the monthly SIP needed to hit your goal.

Increase your monthly SIP every year (e.g. matching salary hikes).
Estimated Corpus
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Invested: —
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Nominal vs Inflation-Adjusted Corpus

Assuming 6% p.a. inflation, here's your corpus in today's purchasing-power terms.
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Nominal Corpus
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Inflation-Adjusted (Real)

Tax on Returns

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Total Gains
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Estimated Tax
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Post-Tax Corpus
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Basis

Corpus at Different Milestones

YearsInvestedCorpus

Monthly SIP Needed to Reach Your Goal

Based on your current tenure of 10 years, at different return rates.
Rate₹1 Crore₹5 Crore₹10 Crore
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Returns are illustrative estimates, not guaranteed — actual mutual fund returns fluctuate with market performance. LTCG and slab-rate tax figures assume current rules (Budget 2024) and a lump-sum redemption at the end of tenure; real-world tax depends on your actual redemption pattern and total income. This is not investment advice — consult a SEBI-registered financial advisor before investing.

Frequently Asked Questions

What is the SIP formula used to calculate returns?

M = P × (((1+r)^n − 1) / r) × (1+r), where M is the maturity amount, P is the monthly SIP amount, r is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the number of months. The trailing (1+r) accounts for each instalment earning an extra month of return, since SIP instalments are invested at the start of each month.

How does step-up SIP increase my final corpus?

A step-up SIP increases your monthly investment by a fixed percentage every year (commonly matched to expected salary increments), instead of keeping it flat for the entire tenure. Because more money gets invested in later years when your corpus is already compounding, a step-up SIP can produce a meaningfully larger final corpus than a flat SIP of the same starting amount.

How is tax calculated on SIP mutual fund returns?

For equity mutual funds held long term, gains above ₹1,25,000 in a financial year are taxed at 12.5% LTCG (per Budget 2024 rules), with no indexation benefit. Debt fund gains, on the other hand, are added to your income and taxed at your regular income tax slab rate, regardless of holding period.