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SIP Calculator India — FY 2025-26

Calculate your SIP returns with India's most detailed mutual fund calculator. See how ₹5,000/month grows over 10 years, model step-up SIP for dramatically higher corpus, and calculate exact LTCG/STCG tax on your gains. Updated for Finance Act 2024 rates.

Calculate how much your monthly SIP will grow over time
₹
Amount you invest every month via SIP
%
Equity MF: ~12-15%, Debt: ~7-8%, Hybrid: ~10-12%
years
How long you plan to continue the SIP
—

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How to Use This Calculator

SIP Returns tab

Enter your monthly SIP amount, expected annual return, and investment tenure. The calculator shows your total amount invested, estimated returns, and final corpus value. Use this to plan how much you need to invest each month to reach your financial goals.

Step-Up SIP tab

Same as the SIP Returns tab, but with an additional annual step-up percentage. This models increasing your SIP amount every year (e.g. by 10% to match your salary increment). The calculator shows how dramatically this grows your corpus compared to a flat SIP, with a side-by-side comparison.

Tax on SIP Returns tab

Enter your total capital gains from mutual fund redemption, select the fund type and holding period. The calculator computes your LTCG or STCG tax liability based on current rates (Finance Act 2024). See the exact tax payable and your post-tax gains.

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The Formula

SIP returns are calculated using the Future Value of Annuity formula, assuming investments at the beginning of each period:

Regular SIP:
FV = P × [(1 + r)n − 1] / r × (1 + r)

Where:
P = Monthly SIP amount
r = Monthly rate of return (annual rate / 12 / 100)
n = Total number of months (years × 12)
FV = Future Value (maturity amount)

Step-Up SIP:
Each year, P increases by the step-up percentage.
Year 1: P, Year 2: P × (1 + step-up%), Year 3: P × (1 + step-up%)2, ...
The future value is the sum of each year's SIP compounded for the remaining period.

Capital Gains Tax (FY 2025-26):
Equity MF — LTCG (held > 1 year): 12.5% on gains above &rupee;1,25,000/year
Equity MF — STCG (held < 1 year): 20% on entire gains
Debt MF (purchased after 1 Apr 2023): Taxed at income slab rate, no indexation

The SIP formula assumes investments at the beginning of each month. Actual returns will vary based on daily NAV fluctuations, fund expense ratio, and market conditions. The compounding effect means even small monthly amounts grow substantially over long periods.

Example

Priya — Bengaluru software engineer, &rupee;5,000/month SIP for 10 years

Priya is 28, works at a tech company in Bengaluru, and starts a SIP of &rupee;5,000/month in a NIFTY 50 index fund expecting 12% annual returns. She also plans a 10% annual step-up aligned with her salary hikes.

Step 1: Regular SIP calculation

Monthly SIP&rupee;5,000
Annual return12%
Tenure10 years (120 months)
Monthly rate (r)12% / 12 = 1%

Step 2: Regular SIP result

Total invested&rupee;6,00,000
Estimated returns&rupee;5,61,695
Total corpus&rupee;11,61,695
Wealth gained~94% on invested amount

Step 3: Step-Up SIP (10% annual increase)

Total invested (step-up)&rupee;9,56,246
Estimated corpus&rupee;19,83,377
Step-up advantage~71% more than regular SIP

Step 4: Tax on gains (LTCG)

Total gains (regular SIP)&rupee;5,61,695
LTCG exemption−&rupee;1,25,000
Taxable gains&rupee;4,36,695
LTCG tax (12.5%)&rupee;54,587

Priya's &rupee;5,000/month SIP grows to &rupee;11.6 lakh in 10 years. With a 10% annual step-up, the corpus nearly doubles to &rupee;19.8 lakh. After LTCG tax, she keeps &rupee;11,07,108 from the regular SIP.

FAQ

SIP (Systematic Investment Plan) is a method of investing a fixed amount in mutual funds at regular intervals, typically monthly. Instead of investing a lump sum, you invest small amounts consistently. This gives you the benefit of rupee cost averaging — you buy more units when NAV is low and fewer when NAV is high, which averages out your purchase cost over time. SIPs can be started with as little as &rupee;100/month in many mutual funds through platforms like Groww, Zerodha Coin, or directly via AMC websites.
Returns depend on the type of fund. Equity mutual funds (large-cap, index funds like NIFTY 50) have historically delivered 12-15% CAGR over 10+ years. Debt funds typically return 7-8% CAGR. Hybrid funds fall in between at 10-12%. However, these are historical averages and not guaranteed. Equity returns are volatile in the short term — in any given year, returns can range from -20% to +40%. This is why SIP tenure of at least 5-7 years is recommended for equity funds to smooth out volatility.
Step-Up SIP (also called Top-Up SIP) means increasing your monthly SIP amount by a fixed percentage every year. For example, if you start with &rupee;5,000/month and step up by 10% annually, your SIP becomes &rupee;5,500 in year 2, &rupee;6,050 in year 3, and so on. The idea is to align your investments with your salary growth. A 10% annual step-up on a &rupee;5,000 SIP can build a corpus that is 60-70% larger than a flat SIP over 10 years. Most AMCs and platforms now support automatic annual step-ups.
For equity and equity-oriented hybrid mutual funds: gains on units held for more than 1 year are classified as Long-Term Capital Gains (LTCG). As per Finance Act 2024, LTCG is taxed at 12.5% on gains exceeding &rupee;1,25,000 per financial year. The first &rupee;1.25 lakh of LTCG is exempt. For units held less than 1 year, Short-Term Capital Gains (STCG) tax of 20% applies on the entire gain with no exemption. For debt funds purchased after 1 April 2023, gains are taxed at your income slab rate regardless of holding period. Each SIP instalment is treated as a separate purchase — so the holding period is calculated individually for each instalment.
Neither is universally better — it depends on market conditions and your cash flow. SIP is better for salaried individuals who receive income monthly and want to invest regularly without timing the market. It reduces the impact of market volatility through rupee cost averaging. Lump sum is better if you have a large amount available and the market is at a reasonable valuation — historically, lump sum has slightly outperformed SIP in rising markets because the entire amount is invested immediately. In practice, most investors benefit from SIP because it enforces discipline and removes emotional decision-making. You can also combine both: invest via SIP regularly and add lump sums during market corrections.

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