SIP Calculator

A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. Your money buys more units when the market falls (rupee cost averaging) and fewer when it rises — averaging out your purchase price over time. SIPs are the most popular way for Indian investors to grow wealth in equity mutual funds, with over ₹25,000 crore invested monthly as of 2026.

The Nifty 50 has delivered approximately 12–13% CAGR over the last 20 years (2004–2024), making 12% a historically reasonable assumption for a large-cap index fund SIP. Mid-cap and small-cap funds have historically returned 14–18% over long periods but come with higher volatility. Debt funds return 7–8%. Use 12% for equity SIPs as the base case — but always note that past returns do not guarantee future performance.

A Step-Up SIP (also called a Top-Up SIP) automatically increases your monthly investment by a fixed percentage each year. For example, starting with ₹10,000/month and stepping up 10% annually means investing ₹11,000 in year 2, ₹12,100 in year 3, and so on. This aligns with typical salary growth and dramatically increases your final corpus — often 1.5–2x vs a flat SIP at the same starting amount.

At 12% annual returns: ₹5,500/month for 20 years, ₹14,000/month for 15 years, or ₹43,000/month for 10 years will roughly reach ₹1 crore. The earlier you start, the lower the monthly amount needed — because compounding does more of the heavy lifting. Use this calculator to find your exact number.

Yes. Equity mutual fund SIP gains held for more than 1 year are taxed as Long-Term Capital Gains (LTCG) at 12.5% above ₹1.25 lakh per year (as of Budget 2024). Each SIP instalment is treated separately for the 1-year holding period. Short-term gains (held less than 1 year) are taxed at 20% (STCG). ELSS SIPs have a 3-year lock-in and offer 80C deduction up to ₹1.5 lakh — the most tax-efficient SIP option.