INVEST · CALCULATOR
SIP Calculator
Find what a monthly SIP grows to, how much of it is your money and how much is returns, with a year-by-year growth chart.
Breakdown
Growth over time
Year by year
How this is calculated
Future value = P × [((1 + i)^n − 1) / i] × (1 + i), where P is the monthly amount, i the monthly return (annual ÷ 12) and n the number of months. Instalments are assumed at the start of each month, as most mutual funds do.
What the letters mean: P = monthly SIP, i = yearly return ÷ 12, n = months. With step-up, P rises by the step-up % after every 12 instalments. Real value = value ÷ (1 + inflation)^years. LTCG tax = 12.5% of the gain above ₹1.25 lakh, plus 4% cess.
Timing: Instalments are paid at the start of each month.
Default values: Monthly investment: ₹10,000 · Expected return (p.a.): 12 % · Time period: 10 yrs · Raise SIP every year by: 0 % · Inflation (to see real value): 6 % · Tax on gains: Equity (12.5% LTCG)
Results are estimates, not investment or tax advice. Real returns go up and down; interest rates, taxes and charges change the actual amount. Please check with a CA or the income tax portal before filing.