Project mutual fund SIP returns for any monthly contribution, return rate, and tenure. Toggle step-up SIP and inflation-adjusted real returns.
Show inflation-adjusted (real) returns
Discount future corpus by inflation to see purchasing power
SIP Corpus After 20 Years
First ₹1 Lakh
Year 1
First ₹1 Crore 🎉
Year 18
| Year | Monthly SIP | Total Invested | Corpus |
|---|---|---|---|
| Year 1 | ₹15,000 | ₹1.80 L | ₹1.90 L |
| Year 5 | ₹15,000 | ₹9.00 L | ₹12.25 L |
| Year 10 | ₹15,000 | ₹18.00 L | ₹34.51 L |
| Year 15 | ₹15,000 | ₹27.00 L | ₹74.94 L |
| Year 20 | ₹15,000 | ₹36.00 L | ₹1.48 Cr |
Showing milestones every 5 years.
Try 10% step-up to nearly double your corpus
A flat SIP keeps your contribution constant while inflation erodes its real value. Step-up SIP scales with your salary. Even a modest 5-7% annual step-up adds 30-50% to your final corpus over 20+ years — the math compounds aggressively.
Felix tracks every SIP across mutual fund houses, computes XIRR, and shows your goal progress in one app.
Download Richify — It's FreeStandard 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.