SIP Calculator
India 2026

Standard SIP corpus formula: FV = P × ((1 + r)^n − 1) / r × (1 + r), where P is monthly investment, r is monthly rate (annual / 12 / 100), n is months. Equity mutual fund SIPs in India have historically delivered 11-13% CAGR over 15+ year periods (Nifty 50 TRI ~12%). However past performance ≠ future returns — model 9-12% for conservative planning. Step-up SIP (raising contribution annually) significantly accelerates corpus building.

Long-term equity SIP returns vary by category: large-cap funds 10-12% CAGR, flexi-cap 11-13%, mid-cap 13-15% (with higher volatility), small-cap 14-17% (much higher volatility, deep drawdowns). For a balanced portfolio, 11-12% is a defensible long-term assumption. Use 9-10% for conservative planning, 13-14% for aggressive but plausible scenarios. Always factor 6% inflation to compute real returns.

Step-up SIP (raising your monthly contribution by 5-10% each year as your salary grows) typically builds 50-80% more corpus over 20-25 years versus flat SIP — without much extra short-term burden, since increases scale with income. The math: a flat ₹10k SIP for 25 years at 12% becomes ~₹1.9 crore. Same ₹10k starting SIP with 10% annual step-up becomes ~₹3.9 crore. Step-up wins decisively for long horizons.

Depends on horizon and market entry point. SIP wins by: (1) automating discipline, (2) rupee-cost averaging through volatility, (3) not requiring you to time the market. Lump sum wins by: (1) full exposure immediately = more compounding time, (2) historically beats SIP in 60-70% of long-term backtests because markets trend up. For most people without large idle cash, SIP is the practical choice. If you have a lump sum, STP (Systematic Transfer Plan from liquid fund into equity over 6-12 months) is a middle path.

Equity mutual funds (held 12+ months): LTCG taxed at 12.5% on gains above ₹1.25 lakh per FY (FY 2024-25 onward). Held under 12 months: STCG at 20%. Debt mutual funds: gains taxed at slab rates regardless of holding period (post April 2023 changes — indexation benefit removed). ELSS mutual funds qualify for 80C deduction up to ₹1.5L/year with 3-year lockin. Always consult a tax advisor for your specific situation.

Open-ended mutual fund SIPs: yes, you can redeem anytime (no lockin). However: (1) ELSS has 3-year lockin per installment, (2) some funds charge exit load if redeemed within 1 year (typically 1%), (3) STCG of 20% applies if held under 12 months. Best practice: invest SIP money you don't need for 5+ years, ideally 7-10+ for full equity allocation. Short-term goals belong in debt funds or FDs, not equity SIPs.

At an assumed 12% annual return, a ₹10,000 monthly SIP grows to approximately ₹98.93 lakh in 20 years — on a total investment of ₹24 lakh, meaning about ₹75 lakh is growth. Extend it to 30 years and the same SIP could reach about ₹3.49 crore, because the final decade does the heaviest compounding. Returns are not guaranteed and vary year to year — see the SIP corpus table below for other amounts and tenures, and use the calculator above for your own assumptions.

At an assumed 12% annual return, a ₹5,000 monthly SIP grows to roughly ₹11.5 lakh in 10 years, ₹24.98 lakh in 15 years, and ₹49.46 lakh in 20 years. Because compounding accelerates over time, doubling the tenure far more than doubles the corpus. These are illustrations at a fixed return — actual equity returns fluctuate, so treat them as a planning guide rather than a promise.

Step-up SIP (also called incremental SIP or top-up SIP) raises your monthly investment by a fixed percentage each year — typically 5% to 10% — to track your salary increments. Set the Step-up slider above to model it. Example: start with ₹10,000/month, step up by 10% annually. Year 2 you invest ₹11,000/month, year 3 ₹12,100, and so on. Over 25 years at 12% returns, this builds ~₹3.9 crore vs ~₹1.9 crore from a flat ₹10,000 SIP — more than 2× the corpus, because your contribution compounds alongside the market. Most large AMCs (SBI Mutual Fund, HDFC AMC, ICICI Prudential, Axis MF, Nippon India, Kotak Mahindra) support automatic step-up — set it once and forget.

By long-term return + volatility profile: Flexi-cap funds are the default choice for first-time SIP investors — they invest across large, mid, and small caps and have averaged ~11-13% CAGR over 10+ years (CRISIL / Value Research data). Large-cap funds offer lower volatility (~10-12% CAGR). Mid-cap and small-cap funds offer higher upside (~14-17% CAGR) but with deep 30-50% drawdowns — only suitable for 10+ year horizons. ELSS funds qualify for ₹1.5 lakh 80C deduction (old regime) with a 3-year lockin and similar returns to flexi-cap. Index funds tracking Nifty 50 or Nifty 500 are the lowest-cost option and have outperformed roughly 70% of active large-cap funds over the past decade.